davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-24
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. (HI)

Dear Experian Team, Thank you for your response dated XX/XX/year>, regarding the dispute I submitted on XX/XX/year>, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether Experian directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge Experian to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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 payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (NY)

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the Prom Note was sold to Wells Fargo and Company for servicing a servicer can not collect payments. I was suppose to receive a XXXX XXXX at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Consumer complaint received 2024-06-24
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)

Experian keeps coming back with accounts verified with a day. How can they be verified if you didn't even reach out to the companies? 

XXXX XXXXXXXX XXXX Account XXXX Account Number : XXXX Company : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX fell off my report and still reporting a collection on an account over 7yrs old against the FCRA
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties.

2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report.

3. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by XXXX to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with XXXX XXXX, XXXX and Experian on MULTIPLE occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : XXXX XXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2024-05-30
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)

Iam not liable for this debt of {$730.00} with ( XXXX XXXX XXXX  XXXX ) I do not have a contract XXXX XXXX XXXX they did not provide me with the original contract as I requested with my wet signature and id verification. According to 15 U.S.C 1681 there should not be any damages on my credit report
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXX XXXX  XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Consumer complaint received 2024-05-29
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. (MI)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
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)

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-07-08
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-30
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-30
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
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. (FL)

I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report. I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (KY)

On XX/XX/XXXX, my XXXX son who is XXXX accidentally without knowing what he was doing, signed me up for a membership with Equifax XXXX XXXX XXXX for {$19.00}. I absolutely did not authorize this charge. None of it was used of course. And from the minute I realized what he had done I contacted them and have been trying to get this resolved ever since. They refused to refund my money although this was an unauthorized purchase that I did not buy myself. He is XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.