davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (TX)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!
Consumer complaint received 2024-06-17
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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!
Consumer complaint received 2024-06-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to inaccurate. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Consumer complaint received 2024-06-17
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. (TX)

I file a complaint with Experian through the CFPB concerning unauthorize use of my consumer report. Experian responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of E-Oscar or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my FTC identity theft report ( XXXX ) for your investigation. Remove the following Inquiries below. 
1. XXXX XXXX 2. XXXX XXXX CFPB Complaint # XXXX
Consumer complaint received 2024-06-17
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)

i was trying to buy a commercial property, and i realized that i had some damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. Damages on my credit report is a defamation of my character.
Consumer complaint received 2024-06-17
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)

I am writing to express my concern regarding inaccurate information on my credit report. After a thorough review, I noticed several late payment entries that I believe are incorrect. Over a month ago, I sent correspondence disputing these entries and requesting validation, but unfortunately, I have not received a response or satisfactory resolution.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT ( XXXX ) has be illegally reporting my information to Consumer Reporting Agencies ( XXXX XXXX, XXXX and XXXX ) without my consent 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written consent for my information to be given to any Consumer Reporting Agencies
Consumer complaint received 2024-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

XX/XX/24 - MOHELA put my student loans into forbearance while they checked to see if there were any benefits I qualified for with the SAVE plan. I never requested or authorized the forbearance. 
XX/XX/24 - I was notified that my loans were going back into repayment and {$37000.00} in interest was going to be added to my principal balance as a result of the forbearance. 

I did not request or authorize what MOHELA did. I have never missed a payment and have included screenshots showing my balance in May ( prior to the forbearance ), proof of the forbearance notification, and the repayment letter where the {$37000.00} was added to my principal balance.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (TX)

I am writing to express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws. 

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-06-17
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. (SC)

I've been monitoring my credit for a few years and I've been doing my best to get my credit score to a respectable level, I paid off any and all collections and have paid all my bills early. Well back in XXXX, at the advice of Experian, and me being naive, I responded to their email to apply for a credit card. Guaranteed match it said. Denied ... .. And it didn't drop my credit yet. But I had it up to the near XXXX range and I was proud. A month later I still needed a credit card and Experian sent another email, saying I was guaranteed approval again, and since my credit went up by XXXX or so points in the span of a month I applied again, thinking for sure id get it GUARANTEED APPROVAL EXPERIAN SAID. Well I got denied again and my credit dropped XXXX points. I called to talk to someone about this and they are rude and don't care, why would they? If I had perfect credit, I wouldn't need them. Correct? So they constantly mislead me and it's cost me loan opportunities and more. They need to compensate me for swaying my decisions because if they would have not emailed me, I wouldn't have applied, and if they didn't say GUARANTEED I wouldn't have applied. It's not right
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The credit bureaus have engaged in multiple violations of the Fair Credit Reporting Act, including inaccurate reporting of the amount owed, failure to ensure accuracy in the information provided by the original creditor, misrepresentation of payment history, and inaccurate reporting of account status.
Consumer complaint received 2024-06-17
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. (NC)

MY PERSONAL INFORMATION WAS LOST/STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-06-17
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. (NV)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from XXXX XXXX. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted XXXX XXXX and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that XXXX XXXX had recently reported to all 3 major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted XXXX XXXX to identify if a mistake was made and it was identified that my payment history was perfect and in fact that XXXX owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by Ally that it could not be rectified and that " Im sorry it must have been an error. '' XXXX informed this writer that we had to report to CFPB to get corrected. 

I have included a copy of payment history.
Consumer complaint received 2024-06-17
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. (TN)

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 2024-06-17
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. (TN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-11-12
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)

Equifax Dispute Report Number XXXX XXXXXXXX Equifax Agent identification : XXXX XXXX XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-06-17
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)

I terminated autopay on my XXXX XXXX account so I could manually select the account each month. This made me forgot to make a payment made on XXXX and XX/XX/2024. After receiving a letter in XXXX I called into XXXX XXXX and made an automated payment. The automated system asked if I wanted to pay the past due amount ( {$100.00} ) plus the XXXX payment that was due. This payment successfully was debited from my checking account on XX/XX/2024. I submitted a inaccurate reporting on Experian. The dispute was completed on XX/XX/2024. It states that as of XX/XX/2024 I am past due in {$100.00}, but this is inaccurate. The account balance for my XXXX XXXX even shows that nothing is due.
Consumer complaint received 2024-06-17
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)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-17
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. (MI)

I recently submitted a complaint in violation of my privacy rights under 15 U.S.C. 1681 Section 602 A ; " a consumer reporting agency can not furnish a account without my written instructions. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : ( 1 ) the right to request their records, subject to Privacy Act exemptions ; ( 2 ) the right to request a change to their records that are not accurate, relevant, timely or complete ; ( 3 ) the right to protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use and disclosure of their personal information. 

I sought to have two accounts removed from my credit profile due to the fact they violated my to be protected against unwarranted invasion of privacy resulting in collection, maintenance, use and disclosure of my personal information, but whomever responded, focused on the accuracy of the account. I have never given XXXX XXXX XXXX or XXXX XXXX written permission for the reporting per Section 1681a. I was never notified in writing per 15 U.S.C. 1692ag prior to accounts being on my credit report within 5 days. In furtherance, a delinquent debt may not be reported under the Privacy Act unless notice issued pursuant to the Privacy Act 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure information about the debtor to a credit bureau. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exemptions apply to the disclosure. I did not consent to have my information be publicized. I request these accounts be removed from my credit profile immediately,
Consumer complaint received 2024-06-23
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. (VA)

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report.. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.