davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared, which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution. The definition is found under title 15 USC 1681 section 604 section 2 states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer in which it relates. An opt out letter has been sent to XXXX XXXX on XX/XX/2024. A financial institution may not disclose nonpublic personal information without the consumer receiving an explanation of how the consumer can exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise my non-disclosure option. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission, which is against the law. 15 USC 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 the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. 
12 CFR 1016.7 " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME '' SEE THE OPT OUT THAT WAS SENT TO THE XXXX XXXX IN XX/XX/2024 XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( DPT ED/AIDV - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( DPT ED/AIDV - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

In XXXX i did a dispute with Equifax after noticing incorrect information on my consumer report. In XXXX i did a complaint with the cfpb and Equifax response was to give them 60 days to complete the dispute. I sent in my identity fraud report but still have not heard anything from them other than for me to verify my identity which I've sent in my license, social security card and a utility bill. It's now XXXX and i still have no results in correcting my file. This is my last resort before i take legal action. I have a right to have a correct consumer file and it should have only taken 30 days as permitted by law.
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: EQUIFAX, INC. (TX)

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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XXXX I tried to unfreeze my credit to lease a car. I was unable to get into my account with my user name and the 10 digit pin I had. The last time I had unfrozen my account was in XXXX. I tried forget password and user name and both were unsuccessful as was the alternate way of identifying myself. 

I tried to reach customer service on the number supplied on their website and it was automated. When I asked for Customer Service they said none was available. I also tried calling several other Experian phone numbers with the same results. I did this for three days assuming they were having issues and never was able to speak with anyone. 

The car deal was going to expire this week so I didn't have time nor should I have to write a letter to unfreeze my account which I originally did online. 

I checked with other people I know who had their accounts frozen and like me did it 5+ years ago and they also could not get in. It appears that Experian changed their login user names and stopped using pins and did not notify anyone nor did they allow you to use an alternate way of logging in or display a message at login time telling you to create a new account. 

I ultimately tried creating a new an account and it correctly brought up my personal information and allowed me to temporarily unfreeze the account. Why weren't we notified if old accounts were activated and that we had to create new ones? 

I was trying to do the responsible thing by freezing my credit. It is unacceptable for the company that controls our credit does not have a reachable customer service team. 
People getting apartments, jobs or lines of credit could lose out if they can't quickly unfreeze their credit. 

While I was ultimately able to figure this out on my own and get into my account, it was a very stressful three days and I know other people are in the same situation. Experian needs to take responsibility and make customer service available to people who can not access their accounts especially when they caused the problem.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (FL)

Please find attached a letter that I received from Equifax stating that I requested a fraud alert on my file. I have never requested a fraud alert on my file and do not consent to them putting one on my file at all. They requested a copy of my drivers license and a copy of my social security card - which I will not be providing to a self appointed, privately held, data collecting company that is currently continuing to SECURITIZE MY INFORMATION and using my information in ways that I have not expressly consented to. I have provided the IRS and their legal department with a notarized revocation of their Power of Attorney, they assumed as part of securitizing my information. I will not give EQUIFAX my personal information to try to pretend that I have consented to give them the ability to use my name, image or likeness to profit off of my information further. 

This CRA continues to violate the Privacy Act of 1974 by reporting information that does not belong on the file that they have created. They have YET to provide me with a complete, unabridged copy of the FILE and not the report. They have ignored all prior requests ( see attached correspondence ), but used and exhausted their stall tactics to continue to get paid from reporters/furnishers that have not and do not comply with the FDCPA as EQUIFAX continues to violate the FCRA as well as the Privacy Act of 1974 and Opt Out 15 USC 6805. This is par for the course for this companys noncompliance and will require further action on my part. I will seek equitable remedies. 

Prior complaint # COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Original Creditor : XXXX 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 an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take 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 2024-06-10
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. (GA)

XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I believe Mohelas accounting systems have erroneously placed outstanding balances on my account. Mohela provided to me all of the Financial Activity Summaries for my loan sequences, and they are missing records for many of my payments. I believe all of my loans have already been fully paid in full. My primary concern : Mohela currently states that Loan Sequences 4 and 5 are still outstanding, even though I refinanced these loans specifically through XXXX XXXX XXXX ( XXXX ), which was subsequently paid off by XX/XX/XXXX. I received 4 federal loans ( Loan sequence 4, 5, 6, and 7 ) for my graduate school studies at XXXX ( XXXX ) for a total loan amount of {$170000.00}. On XX/XX/XXXX, I received a Loan Verification from Mohela for Loan Sequence 4 and 5, so that I can consolidate these loans specifically through XXXX XXXX XXXX  ( XXXX ). The total amount that was paid from XXXX to Mohela was {$92000.00}. Subsequently, I paid off the XXXX balance in full by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Mohela that has a Paid in Full status for Loan Sequence 6. For Loan Sequence 7, Mohela still shows that I have a {$0.00} balance, even though Ive tried to pay off this balance before, when there was XXXX cent remaining. I believe Mohelas accounting systems have incorrectly posted my payments and I would like a full explanation for how this happened. I want to ensure that I have XXXX balances remaining on my student loans. I have contacted Mohela through online messages and phone calls on multiple occasions throughout XXXX and XXXX, XXXX.
Consumer complaint received 2024-06-11
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. (IL)

Recently, I did an investigation on my credit report and found several items on there to be Under XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an tem or the intormation is tound to be Inaccurate or Incomplete or can not be vertied, te consumer reporting agency shall-ipromptly delete that item of information from the tile or the consumer. or modity that item of intormation, as aporopriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
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. (NY)

It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-11
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. (SC)

Re : CFPB Complaint XXXX XXXX  - Experian Declined to Block Information per FCRA 605B Dear CFPB : I am writing in regard to my previous complaint ( CFPB # XXXX ) against Experian for violations of the Fair Credit Reporting Act. In that complaint, I explicitly requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the reporting of the following contested items in my credit file : A personal credit card account was opened at XXXX on XX/XX/XXXX, under account number ( XXXX ), a mortgage loan account was opened at XXXX XXXX on XX/XX/XXXX, under account number ( XXXX ), and 2 student loan accounts were opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). 

As required by FCRA 605B, I made this blocking request in writing and identified the specific items to be blocked from my file. The CFPB forwarded my request to Experian. 

However, Experian improperly declined my request to block this information. In their response dated XX/XX/XXXX, Experian stated : " your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. ". They also asked for additional information that was already included in my original complaint.

By refusing to block the identified items as I requested under FCRA 605B, Experian is violating federal law. As the enforcement agency, I am requesting that the CFPB take action to compel Experian to immediately block the reporting of the contested items listed above from my credit file. 

Experian had a legal obligation to block this information from my file within 4 business days of receiving my request forwarded from the CFPB. Their refusal to do so constitutes separate violations under the FCRA in addition to the original issues I raised.

I appreciate the CFPB 's assistance in enforcing my rights and ensuring Experian complies with FCRA 605B. Please let me know if you require any additional information from me. I look forward to your response.
Consumer complaint received 2024-06-10
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. (FL)

XXXX : Account : XXXX Name : XXXX XXXX XXXXXXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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 have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
Consumer complaint received 2024-06-10
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. (GA)

Experian, & XXXX continue to report the account XXXX XXXX XXXX Account # XXXX incorrectly. Financial institutions do incur losses at all. They are FDIC insured which means the account is covered and can not be charged off. They also have no access to my financial records to obtain them to verify late payments. If they do this is a violation of my privacy. If they do not provide me with the evidence to prove what they are reporting I will sue.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my current credit report from your bureau, I came across the disputed item, and I don't think this is 100 % correct. Would you please update this item from my credit report? 

XXXXXXXX XXXX XXXXXXXX