davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (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.

Account Name : 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 2024-09-06
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. (NJ)

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 XXXX 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 XXXX  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 2024-08-05
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. (FL)

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 2024-09-05
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)

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 XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian 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 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 2024-09-05
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MI)

XXXX to XXXX unemployment relia card allowed some one to make over XXXX dollar of transactions in my name Ive called multiple times in made report proved everything they wanted me to in they still didnt stop it or cancel out the card in when they did they didnt issue me another
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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: Financial Credit Network Inc (NC)

In XX/XX/2020, a collection account was opened with Financial Credit Network regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account was fully paid and marked as " Closed '' as of XX/XX/2020. Despite the debt being paid in full and the account being closed, Financial Credit Network continues to report this account on my credit report, which is unfairly damaging my credit score.

I have disputed this account multiple times, yet it remains on my credit file, even though I have no further obligations regarding this debt. I have never had a direct contract with Financial Credit Network, and the continued reporting of this paid and closed account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am requesting that this account be immediately removed from my credit report. If this issue is not resolved promptly, I will be forced to take legal action to protect my rights and hold the parties responsible for the ongoing inaccurate reporting.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Debt Amount : {$330.00} Creditor : Midland Credit Management , Inc . 
Date Submitted XX/XX/year> **Key Points of My Dispute : ** 1. **Inaccuracy of Reporting ( FCRA 1681s-2 ) : ** I believe the reported debt is inaccurate, as I have no record of incurring this obligation. Under the Fair Credit Reporting Act, specifically 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies.

2. **Failure to Validate Debt ( FCRA 1692g ) : ** I invoked my right under the Fair Debt Collection Practices Act, 1692g, to request validation of the debt. To date, I have not received any documentation from Midland Credit Management proving the legitimacy of this debt, which is a violation of my rights. 

3. **Obsolete Information ( FCRA 1681c ) : ** The FCRA, specifically 1681c, prohibits the reporting of debts that are outdated or incomplete. If this debt is tied to an account that exceeds the reporting period or lacks essential details, it should not remain on my credit report. 

I have requested that Midland Credit Management conduct a thorough investigation into this matter and provide written confirmation of their findings. I am seeking the removal of this debt from my credit report if it can not be validated as they are violating my rights.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters
Consumer complaint received 2024-10-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates has filed a law suit against me in the amount of {$2700.00}. 

PRA never notified me of this debt. Please see the attacked file showing that the notice was sent to an XXXX XXXX XXXX in XXXX, XXXX. I have lived in XXXX  since XXXX, XXXX. Before that I live in XXXX  my whole life.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CT)

We submitted a promotional balance transfer from a Chase credit card to another credit card in the amount of {$14000.00}. If made within 60 days of account opening, fee was to be 3 %. We submitted request within 60 days, got confirmation of the request via email, saw it pending online as of XX/XX/XXXX ( pending status thru XX/XX/XXXX ), and on XX/XX/XXXX saw the transfer was deleted. Called Chase and reps initially told us nothing other than it was cancelled and wed receive a letter in the mail. Requested a supervisor who after verifying account information could only offer that the receiving bank must have different banking account info resulting in the cancellation and suggested we check with other bank ( XXXX ). XXXX confirmed account info we submitted was accurate and added they never received a balance transfer transaction submitted to them from Chase. Now promotional incentive is past and Chase will not reinstate offer at the 3 %. The fee is now 5 % - Damages are {$280.00} and it negates our ability to transfer the amount we initially requested.
Consumer complaint received 2024-09-05
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. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX - XXXX ( the Company ), which involved me making deposits for a total amount of XXXX ETH and XXXX XXXX, equivalent to XXXX USD from my XXXX account to fraudulent investment firm ( s ).
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (UT)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following 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 Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

XXXX. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (TN)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX certified mail to verify debt belonged to me was sent there was no response. Portfolio Recovery Associates showed up as a collection on my credit report XX/XX/XXXX which I then requested debt verification through both XXXX and XXXX, the results came back the consumer disagrees. On XX/XX/XXXX I requested debt verification and provided proof that Portfolio Associates was not legally allowed to collect any debt in Pennsylvania, again the response was, they disagree even after providing 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: Velocity Portfolio Group (NC)

In XX/XX/XXXX, a collection account with CKS Prime Investments XXXX  was opened, regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX. This account was fully paid ( {$760.00} ) and closed as of XX/XX/XXXX. Despite this, CKS Prime Investments XXXX continues to report this account on my credit report, which is negatively affecting my credit score. 

I have disputed this account multiple times, but it remains inaccurately on my credit file, even though the debt has been paid in full and the account is closed. I never had a direct contract with CKS Prime Investments XXXX, and there is no reason for this account to still be reported under their name. 

Account XXXX