davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
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)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.
Consumer complaint received 2024-10-21
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. (NY)

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
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)

I am writing to formally address ongoing inaccuracies on my credit report, which remain unresolved despite previous attempts to dispute them. These errors are significantly impacting my ability to obtain credit, and I am entitled to compensation under 15 U.S. Code 1681i ( 6 ), which mandates that consumer reporting agencies notify consumers of the results of reinvestigations within five business days after completion. Your failure to correct these inaccuracies indicates noncompliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to verify disputed items As per 15 U.S. Code 1681i ( FCRA ), if disputed items can not be verified, they must be removed from my credit report.

Civil liability for noncompliance Under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ), your agency may be held liable for failing to comply with federal law.

Debt collection violations Under 15 U.S. Code 1692k, your agency may be accountable for violations related to debt collection practices. 
Continued failure to address these inaccuracies will compel me to take further legal action, including seeking compensation for any violations.

Specific Discrepancies : Charge-Off Accounts Listed below must be deleted immediately due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts The collection accounts listed below are in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be deleted immediately from my report.

Unauthorized Inquiries The inquiries listed below were made without my consent, in violation of 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be removed immediately.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

XXXX needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. Citibank and XXXX have already issued XXXX in both XX/XX/XXXX and XX/XX/XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XX/XX/XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX  and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Consumer complaint received 2024-10-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2024-10-21
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. (MN)

This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues.

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my person
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
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)

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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.
Consumer complaint received 2019-01-10
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. (LA)

I submitted a formal dispute with XXXX, XXXX and Transunion on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, XXXX and Transunion to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, XXXX and Transunion did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in  clear violation of my rights. I demand XXXX, XXXX and Transunion be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (TX)

The company is a bank, PNC. In XXXX I applied for and was approved for an installation loan by BBVA ( before the bank became PNC ). The interest rate was fixed and monthly was {$180.00} and for 48 months. 
I received an invoice from PNC that my last payment will be {$530.00} due in XX/XX/XXXX. 
For the record, I never missed a payment or made payment more than the allowed grace period. 
I called PNC on XX/XX/XXXX and was unable to get an explanation why I'm being asked to pay more that the regular {$180.00} payment. I called again today and was given a convoluted answer that the amount ballooned during the transition from BBVA to PNC. I'm still trying to find out why the amount changed from {$180.00} to {$530.00}. The rep guessed that it may have happened during XXXX XXXX. For the record I never requested forbearance or skipped payment.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (AL)

For the past few years I have tried contacted the credit bureaus to dispute several accounts on my credit report that belong to my twin brother. I was responded to with saying those accounts are mine. My equifax report has mine and his name on it. It should just say XXXX XXXX. I also have several collections, a car note, and a personal loan being reported on my equifax report that belongs to my twin brother and not me. I have not cosigned for anything for him as I can not get any line of credit because of the mix up of our credit.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I have filied a complaint with this company with your cimpany saying that I never did business with Portfolio Recovery and thier attemps to collect a debt I dont not owe them, and to stop all attempts to collect on this debt that I do not owe this company and after filing a complaint against them through the CFPB is was resolved and should be in your files. This morning they ( Portfolio Recovery ) reported this same collection on to my credit file dropping my credit score from XXXX to XXXX while Im in the process of aquiring funding for a start up business. This company needs to remove this account immediately from my credit file and stop all attemps of trying to collect on this account. I have never done business with this company.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX case number FOCUS PAY ATTENTION They keep saying I GAVE WRONG INFORMATION. THAT INFORMATION THEY HAVE DOES NOT MATCH. I DO NOT LIE I DO NOT GIVE OUT FALSE INFORMATION. THEY MUST SUPPLY ME FIRST WITH WHAT EVER INFORMATION THEY CLAIM IS WRONG. I WILL NOT GIVE ANY MORE OF MY INFORMATION UNTIL I SEE WHAT THEY SAY IS WRONG INFORMATION. THEY NOW HAVE SENT i BELIEVE THE 4TH REQUEST OF MY PERSONAL INFORMATION BUT HAVE NOT SHOWN ME WHAT THEY SAY DOES NOT MATCH. 


PROVE IT WHAT IS WRONG INFORMATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

INSPIRE BELIEVE DREAM XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I applied the American Express XXXX XXXX  credit card at XX/XX/2018. According to the advertise of this credit card, I should be able to Earn XXXX XXXX XXXX  Bonus Points as welcome bonus after you spend {$2000.00} in purchases on the Card within first 3 months of Card Membership, and I am charged with {$95.00} membership fee.

However, after I spend more than {$3000.00} in first 3 months, I didn't get XXXX XXXX XXXX  Bonus Points. I call the company and I am told that the welcome bonus of XXXX XXXX XXXX   Bonus Points was rejected when the card was approved at XX/XX/2018, without any notice to me. I am not informed with this rejection till recent and I spend a lot of money on this card after the card is approved. If I was noticed the rejection of the welcome bonus, I will not use this card last year.

I already call the American Express twice to solve this issue but they refuse to refund me the XXXX XXXX XXXX XXXX  Bonus Points.