davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
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. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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/year>
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I reached out to Experian and XXXX XX/XX/2024 asking both bureaus to provide information on how they obtained access to my public records for bankruptcy and if they couldnt provide proof then it needed to be removed. XX/XX/2024 I recieved a letter stating the dispute couldnt be closed because they needed more time to investigate. XX/XX/2024 I sent out a letter out again asking them to remove the bankruptcy report since they couldnt provide proof within the 30 days the law allows. XXXX XXXX I sent XXXX letters, XXXX of the copy of the XXXX bankruptcy stating they didn't authorize the reporting of my public records and the second letter stating they had XXXX weeks to remove the reporting if they couldn't provide proof they had they had the right to report on my public record according to the FCRA.
Consumer complaint received 2024-09-20
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. (AL)

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-09-20
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

Created an online account with Experian and when I login it forces me to request a credit report, then displays an error message and a phone number for assistance. XXXX only wants me to reset my password which is not the problem. Refuses to refer me to a representative. After a couple of hours research and calling their support numbers I could not find a way to get assistance. 

These people are making money on individuals, without our consent, and do not provide support when needed. They should provide information as legally required by providing service and support as required. Internet searches indicate others have had the same problems dealing with Experian. 

All I want and need is a working account. I need someone to help by either phone or email.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I have been trying to make student loan payments to Edfinancial since XX/XX/year>. I enrolled in autopay. Every month since then they returned my payments every single time and then marked me past due. They claimed it was my bank but I spoke directly to them and that is untrue. I also went in person to my bank and spoke with an agent who showed me my account and proved they did not return the payments. The banker called with me in the office and the representative confirmed it was not the bank yet my account still says " Returned By Bank ''. I also have a " Autopay accepted '' notice stating the information is accurate and processing, yet every payment is still returned but now says " Payment Returned Notice '' instead of " Payment Returned By Bank ''. I called every month and got different answers every single time from each representative. I reached out to the customer service email in XXXX and received no response. I deleted my banking information and re-added it and re-enrolled in autopay numerous times as suggested. I expressed to the company this is completely unacceptable as I am XXXX XXXX military with a SECURITY CLEARANCE that can be revoked for past due debt, missed payments, etc. Anything viewed as financial instability can cause me to lose eligibility and lose my job. I demanded proof it was a system error and that it will " correct itself '' like they kept saying and they refused to provide it to me to give to the security clearance office. I also demanded information on how these " Past Due Payments '' will affect my PSLF consecutive payments timeline and they said " it will not count against me ''. When I asked why or how the answer was along the lines of " System error not your fault ''. When I asked how will you distinguish that the answer was " It'll get backdated and annotated ''. Never happened. I noticed today I have not seen anything about payments in my inbox and they placed my student loans into forbearance. I am so confused at this company 's practices at this point I have no idea what kind of business they think they are running. I can't even follow the situation anymore. I am not the only one, this is an issue many other borrowers are encountering. It is all over internet forums. You can't even leave reviews on their XXXX XXXX XXXX Page anymore because it is " Being Updated ''. Completely unacceptable and criminal practices.
Consumer complaint received 2024-09-20
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), The bank of Missouri on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX., with a balance of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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. 

Fraudulent Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (AL)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (NC)

I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXX XXXX, who responded on my behalf ( In fact, I contacted Zwicker several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with Zwicker ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called Zwicker ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a full time college student raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.
Consumer complaint received 2024-09-20
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. (MS)

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 informationisinaccurate.
Consumer complaint received 2024-09-20
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed from my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
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. (TX)

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and anxiety. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dates : XX/XX/XXXX, XX/XX/XXXX ( Listed as a Late payment ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ( Listed as late payments ) Spoke with someone to process a hardship during the times. Late payments were still reported. Which was a violation Under the FCRA of USC 1666B.
Consumer complaint received 2024-09-20
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. (NC)

I recently reviewed my credit report and noticed on XXXX XXXXXXXX XXXX account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/23 ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.