davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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)

After two-three months of observing my consumer reports by the named Credit Reporting Agency ( ies ) it has come to my attention that my consumer rights are in violation by the company reporting and the Company furnishing an account. Reason, FL DEPARTMENT OF REVENUE, the Company furnishing the information to the Reporting Agencies by non disclosed consent, FL DEPARTMENT OF REVENUE with the Credit Reporting Agency continues to furnish an account with adverse action making a significant harm to my credit profile. According to Fair Credit Reporting Act, fair and accurate reports should ONLY be forward to Agencies via the consumer by permissible written consent. 

The reporting of account XXXX ; XXXX ; XXXX : has caused severe damage to my credit character, my credit reputation and my general mode of living and my ability to obtain credit for personal purposes. Ultimately the reporting of the account and violation ( XXXX ) has damaged my livelihood and my ability to grow in commerce using credit. To add, I never gave FL DEPARTMENT OF REVENUE written permissible consent to furnish private information to a public reporting agency. To conclude, can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide any documentation with my signature to prove otherwise? Can the credit reporting agency ( ies ) provide the initial contract with my wet ink signature that I, XXXX XXXX XXXX of the XXXX XXXX XXXX, Estate gave, delivered and or made to the FL DEPARTMENT OF REVENUE to participate in Title IV-D granted funds? Can the Credit Reporting Agency ( ies ) prove what is Child Support, is Child Support a loan? Or, a Credit Transaction? And, if so can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide what loan or credit transaction I made on behalf of the Estate? 
I, XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXX, Estate have all rights to privacy. The consumer reporting agencies have a great responsibility to report accurate information to my consumer report and they must respect my privacy as a consumer. 

XXXX. The account is not accurate, facts to be are the payment information is not updated. This is to deliberately cause harm to the profile, based on FICO computation, the irregular reporting will automatically cause damage to the report. Which significant change which is harmful.

2. I have a cease and desist letter in effect with the FL DEPARTMENT OF REVENUE.
Consumer complaint received 2024-09-18
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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX5 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-09-18
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)

XXXX XXXX XXXX as seen on my credit report XXXX XXXX is the company that has violated my rights, they have transferred my DEBT to a third party XXXX. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

XXXX XXXX, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.
Consumer complaint received 2016-04-09
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica (CA)

On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 Dear, CFPB All XXXX Credit Bureaus, XXXX, Experian, XXXX have used my account XXXX XXXX XXXX for Employment purposes. If you look at the the remarks from each credit bureau they are all listed different. Across all 3 bureaus the information should be the same Paid and closed in the remarks section. CFPB this is clearly a violation under the Fair Credit Reporting Act. If these companies can't reflect the same information in the remarks box paid and closed, then I want this account deleted from my credit report due to inaccurate information. 

Sincerely,
Consumer complaint received 2024-09-18
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. (AZ)

I previously filed a complaint about missing information in my Experian Credit Report. Their assessment of my credit says it is average to poor as I have no mortgage loan or recurring auto loan or debt. I repeatedly provided " Boost '' access to my bank which has had my mortgage since XXXX of XXXX ( never late ) but they refuse to add that mortgage to my information. The same bank account pays my monthly auto lease, yet Experian still says I have no auto payment even though they do show the credit inquiry when the lease was granted! 
I have attached a bank statement, with bank names and account numbers redacted, for XX/XX/XXXX showing payments of each of these recurring accounts. 
I am very disappointed in the quality of their reporting that repeatedly removes me from more favorable credit terms!
Consumer complaint received 2024-10-28
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. (FL)

I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this matter reinvestigated immediately. The inaccuracies are extremely detrimental to my credit rating. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. 
Pursuant to the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subpart A-D, please provide the names and business addresses of each individual with whom you have verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-18
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. (FL)

Company consistently providing inaccurate information on document that will be attached to claim this company is continuously reporting this account as a charge off which is against the law the date las t active and last payment date is incorrect and this has been charged off it should not be reporting a balance owed
Consumer complaint received 2024-09-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by XXXX, Experian, and XXXX. 

On XX/XX/year> I discovered that my consumer report was accessed by XXXX on XXXXXXXX XXXX XXXX  without my written consent. Also Experian, accessed my report on XXXX, XXXX XXXX without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Consumer complaint received 2023-10-30
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. (AZ)

I am writing to express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items : 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 2023-07-27
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. (MD)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I attended International Academy XXXX ( XXXX ). I 've graduated but have struggled to find a job in my field. 
My Private loan is now being serviced by Navient. Acct # XXXX was on a payment plan of XXXX per month which my wife and I were paying. However, in XXXX the payments spiked to $ XXXX. 
I called Navient today with my wife to provide all the necessary information to try to obtain a lower payment. The representative asked for our income and bills and we provided it. 

She then proceeded to say that we did not qualify for a lower payment, and that it was our fault for getting a more expensive car this year. She offensively said that we were not managing our finances well and that it was our fault we could n't make the payments. How dare she say this when she does n't know or even asked why the payment went up. Our other car broke down and we still owed XXXX on it, and we had to absorve that debt into the new car payment. XXXX We were helping him and his wife financially because she was pregnant and delivered on the same day XXXX 
This representative spoke to us with hate and a demeanor of discrimination because I have an accent, which is why I had my wife help me speak. She yelled at my wife and talked over her screaming for over a minute. We requested a manager and the manager basically did nothing. I asked for an apology from the individual and he refused. I told him that the way they were speaking to consumers was incorrect and I was going to file a complaint. They XXXX said go ahead, file whatever you want to file. I asked the manager to pull a copy of the call so he could hear all the disasters said by the other rep but nothing was done. 
At this point, after reviewing that my loan was XXXX initially and it is now at over XXXX, I 'd like a recalculation of all the money owed. I am almost positive it is inaccurate.
Consumer complaint received 2016-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (VA)

Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (MS)

Last month on between XXXX XXXX XXXX, I just know it was the last XXXX of the month because I got paid that day. My phone was stolen and unfortunately I did not have a passcode on my phone during this time because my phone has never been out of my sight until that day. My debit card ( from regions ) is linked to my XXXX XXXX or XXXX XXXX. Although, I was unable to get my phone back, later in the day, I was able to use my sisters phone to log into my XXXX and once I did, I noticed that I had several transactions appear from XXXX XXXX. The person who stole my phone sent numerous transactions totaling {$420.00} to an email that I have never seen or interacted with and when I XXXX the email, it was obvious that the email was fraudulent. Upon learning on what was going on I contacted Regions to dispute a transaction and I got met with call back on Tuesday until it shows up in your account. I called the following Tuesday and explained what was happening and how I had to cancel my debit card, how XXXX XXXX blocked any further transactions, etc. After this conversation I was refunded the money ( not really because I was charged overdraft fees and to unauthorized transactions being made ). I thought the issue was resolved but apparently, they were still investing and I didnt have any money in my account and they took the {$420.00} back because it said I authorized it but I literally explained to them how XXXX XXXX works and how my phone was stolen and they didnt care. They said I needed to call back to the claim department to see if something can be done. I was not notified that the investigation was continuing. I have overdraft protection yet they still sent my account into the negatives because I owed them. I honestly have run out of options and they are making me look like a liar just because the transactions were approved by a simple double tap.