davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 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 2022-10-29
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

UR COMPLAINT 15 U.S. Code $ 1681c-2. XXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>, it was reported that hackers had stolen the personal information of about 70 million XXXX & XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request thaXXXX XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Consumer complaint received 2022-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2021 I was notified that an account that I had been actively paying on time had been charged off without reason. I have contacted Bank of America regarding this matter and was told my credit limit had been decreased due to my credit score change so my remaining balance was due immediately. I was told I was not allowed to continue making my monthly installment payments due to the change. My account shows that {$4200.00} was charged off on my account. This is the original debt amount. I only owe {$310.00} according to the representative I spoke with.
Consumer complaint received 2024-07-27
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 file a complaint against XXXX XXXX XXXX Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Consumer complaint received 2024-07-27
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-27
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. (CT)

UPDATE TO COMPLAINT# XXXX

EXPERIAN  CONTINUES TO REPORT ADVERSE AND TRANSACTIONAL INFORMATION AGAINST 15 USC 1681a2(ii), CONTINUES TO REPORT CHARGED OFF ACCOUN INFORMATION AGAINST 15 USC 1681c(4)(5), CONTINUES TO NOT MAINTAIN A PROCEDURE TO ENSURE MAXIMUM ACCURACY AND COMPLIANCE AGAINST 15 USC 1681e(b), CONTINUES TO VIOLATE METRO2 COMPLAINCE PROCEDURES AND CONTINUES TO REPORT CHARGED OFF ACCOUNTS AS INCOME ON A CONSUMER REPORT AS STATED BY THE INTERNAL REVENUE SERVICE TOPIC 431.  EXPERIAN IS NOT IN COMPLAINCE WITH METRO 2 AND IS NOT EXERCISING THEIR GRAVE DUTIES UNDER THE FCRA WILLFULLY. EXPERIAN HAS BEEN MADE AWARE OF INACCURATE INFORMATION BEING FURNISHED ON MY REPUTATION DUE TO BEING INFORMATION CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT AND YET IS STILL BEING INCLUDED IN MY CONSUMER REPORT. EXPERIAN IS ACTING ON ITS OWN ACCORD WITH DISREGARD TO CONGRESSIONAL FINDINGS AND LAWS. EXPERIAN HAS FURNISHES CHARGED OFF AND ADVERSE INFORMATION AGAINST ME THE CONSUMER AND HAS HARMED MY CONFIDENCE IN THE BANKING SYSTEM. EXPERIAN HAS CAUSED ME TO APPEAR AS A RISK AND HAS CAUSED ME TO LOSE MY ABILITY TO EXERCISE MY GRANTED RIGHT TO CREDIT.  PER ELEVENTH CIRCUIT COURT RULING XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions Inc" I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. EXPERIAN HAS GONE PAST THE 45 DAY MARK AND HAS NOT PERFORMED ITSDUTIES PER THE FCRA. PER 15 USC 1681i HENCE THE ALLOTTED TIME PERMITTED ALLOED BY LAW WAS EXCEEDED EXPERIAN MUST REMOVE FROM MY REPORT ALL DISPUTED ACCOUNTS OR UPDATE INFORMATION TO CURRENT PAID AS AGREED FOR ADVERSE INFORMATION DOES NOT BELONG ON A REPORT PER 15 USC 1681c(4)(5). EXPERIAN HAS NOT PROVIDED A DETAILED PROCEDURE ON HOW IT REINVESTIGATED THE DISPUTED ACCOUNTS AD HAS NOT PROVIDED THE NAMES OF THE INDIVIDUALS IT INTERVIEWED AS DEMANDED UNDER 15 USC 1681i. EXPERIAN CONTINUES TO VIOLATE ITS DUTIES PER THE FCRA AND CONTINUES TO WILLFULLY HARM MY REPUTATION AND HAS CAUSED ME TO LOSE FAITH IN THE BANKING SYSTEM.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX XXXX. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX XXXX Original Creditor : DEPT OF EDUCATION XXXX  Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. DEPT OF EDUCATION/XXXX- {$1200.00} - ACCOUNT # - XXXX 2. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Consumer complaint received 2024-07-27
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

MY INFORMATION WAS SOLD TO CREDENCE RESOURCE MANAGE DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$430.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT. I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX has continued to list unapproved credit inquiries to my credit file. There are 7 companies listed on my credit file that I did not authorize a credit inquiry. This violates the FCRA to report inquiries from companies I did not give permission to run my credit. This is misuse of my credit information. The companies are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-27
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. (HI)

The following account is hurting my credit rating, credit standing, and credit capacity XXXX XXXX [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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. I submitted a dispute to Experian regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which Experian said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when Experian payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified XXXX and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.
Consumer complaint received 2024-07-27
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. (GA)

I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, XXXX totaling {$15000.00} as XXXX and EXPERIAN further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX XXXX but has not been REMOVED off Consumer 's Credit Report. 

As The American Federal Citizen Elector, Barterer, Standing in a Christian Ecclesiastical Roman State as I am Demanding and ORDER said Campus to RELEASE The Credits from the Off-Shore Mortmain Off Budget Account held off budget in the Federal Reserve Banks , held in Reserve as it shall be updated to an XXXX XXXX status as I am suppressing the Insurrection and Rebellion Monetary System via the 13th, 14th Section 3 and 4 and 15th Amendment..
Consumer complaint received 2024-07-27
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. (AZ)

I recently reviewed my credit report and noticed inaccuracies in the reporting of an inquiry or unauthorized access by XXXX XXXX XXXX ( Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) on my Experian Credit report. 
I suspect it may be related to identity theft, or unauthorized access to my personal information. I have contacted Experian and requested the remove the inaccuracy / unauthorized inquiry by XXXX. They would not remove and insisted I contact XXXX. Which I attempted to, but XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, was a financial services company registered as a foreign limited liability company. The company was incorporated in Illinois on XX/XX/XXXX, but was dissolved on XX/XX/XXXX and there is no company anymore and no one to contact. This Experian Credit report inquiry is inaccurate or an attempt at Identity theft, and was not authorized. Consumer reporting Agencies are required to ensure the accuracy of all reported information. I demand removal of this inquiry from my credit report with Experian, which Experian refused. I also request a thorough investigation into this inquiry by a company that was dissolved in XXXX. Please have Experian remove the inaccurate inquiry!
Consumer complaint received 2024-11-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (IL)

Two accounts were falsly opened under my name. ( BARCLAYS BANK/OLD NAVY XXXX XXXX XX/XX/XXXX & ( XXXX ) Opened XX/XX/XXXX. I have since then called OLD NAVY in which they said that no in person account was made and that it must of been an online thing. I've called XXXX and they have started the dispute.