davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-25
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NJ)

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX, I received a collections notification from a company called Hunter Warfield stating I owed XXXX XXXX XXXX {$450.00}. I spoke with a representative on XXXX via phone at Hunter Warfield to ask what this was for and was told it's my final bill. 

I never received a final bill and have an email thread confirming that XXXX XXXX XXXX never sent the final bill to me. They sent it directly to a collection agency without giving me the opportunity to pay for it. 

I believe this was intentionally done to hurt/harm my credit and future housing opportunities. 

Only {$58.00} of the bill is for utilities such as sewage, water, and pest control. The other {$400.00} is for removal of items left in the apartment which my deposit should partially cover.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Hello my name is XXXX XXXX please delete my account ending In XXXX XXXX cant delete it over this We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. please delete it for me you can email me back at XXXX or call me at XXXX or do both etc.
Consumer complaint received 2024-10-25
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)

This letter serves as a final demand regarding the fraudulent reporting of a XXXX account on my credit report. Despite my previous submission of the necessary documentation to demonstrate that the account is the result of identity theft, Experian has failed to properly verify or remove the account. 

This same fraudulent account has already been investigated and removed by XXXX. I respectfully request that XXXX follow suit by removing the same inaccurate information from my credit report. 

Instead, I received notice that the account was " Verified and Updated, '' yet no documentation or proof of such verification has been provided to me. This conduct constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take further action if Experian does not immediately comply with the law.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian is required to block any fraudulent information within four ( 4 ) business days of receiving documentation of identity theft, including a police report or FTC Identity Theft Report. I provided such documentation, and Experian has failed to comply by continuing to report the fraudulent XXXX account. 

Under FCRA 611 ( 15 U.S.C. 1681i ), If a consumer disputes the accuracy of any information, Experian must conduct a reasonable investigation. This investigation must include obtaining relevant documentation from the creditor to confirm the legitimacy of the disputed account. Simply stating that the account is " Verified and Updated '' is insufficient under the FCRA if Experian can not provide documentation verifying the accuracy of the account.

Under FCRA 623 ( 15 U.S.C. 1681s-2 ) I remind Experian that creditors and furnishers, such as XXXX, XXXX obligated to report only accurate information. If XXXX is reporting fraudulent or incorrect data and Experian continues to include it on my report, you are both in violation of the FCRA. 

FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) Experians failure to reasonably investigate my dispute and failure to provide proof of verification may be considered willful or negligent noncompliance. Under these provisions, Experian is subject to civil liability, including actual and punitive damages, attorneys fees, and costs of litigation. 

Experian must show that it didnt just rubber-stamp the creditors response but actually obtained and reviewed the necessary documents.
Consumer complaint received 2024-10-24
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)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


I am writing to request your immediate assistance in addressing a critical issue regarding fraudulent accounts that have been reported to Experian in my name. These accounts are the result of identity theft, and I have taken all necessary steps to dispute them, including filing a FTC Report and notifying the creditor involved. 

Despite my efforts, I have not seen any action taken by Experian to delete or block these fraudulent accounts. Given the significant impact this situation has on my credit profile and financial stability, I am requesting that the CFPB intervene to ensure that Experian takes action within the next XXXX days.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I haver XXXX account that's is reporting XXXX late payments on each account which is INCORRECT. 

I reviewed my consumer reports and noticed that I had XXXX late payments on XXXX different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MO)

I canceled XXXX room reservations through XXXX on XX/XX/23 due to illness. XXXX said they would issue a refund within XXXX hours. US Bank said it could take up to 10 days for a credit to post. I did not see a credit as of XX/XX/23 so I emailed them through their site and called customer service. Customer said they would help me challenge the charge, said they had to put me on hold to complete some work and hung up on me. As of XX/XX/23, I have not received a credit for the disputed charges.
Consumer complaint received 2024-10-25
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one reported, to XXXX  and XXXX, on XX/XX/2020, that my accoint was delinquent, but it wasn't, AND, I had just made a payment to them, on the same day. Plus, I had 5 more days until my payment was actually due.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

The letters are stated with items and issues.

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 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NC)

On Thursday, XX/XX/year>, I called the local One Main Financial ( OMF ) office where my loan is located and attempted to make a payment arrangement. The payment arrangement was to be applied towards the XXXX payment. I spoke with an employee named " XXXX '' who set up the payment arrangement on a recorded line. I stated to XXXX that the payment could not be deducted from my checking account until XX/XX/year>, which was my next payday. XXXX stated that the payment would not come out until XX/XX/year> due the Saturday and Sunday delaying the electronic process. I trusted what this employee stated and moved forward with the payment arrangement. 

On Monday, XX/XX/year>, I received email notification that the payment had been processed by my banking XXXX immediately called the local One Main Financial XXXX and asked XXXX the payment had been drafted from my account prior to the agreement-upon date of XX/XX/year>. XXXX stated that the payment had not been posted because the office had not submitted a " batch '' for processing. Little did I know that the employee had lied that day and as well as on XX/XX/year>. 

The payment processed 2 days before the agreed upon dated and now I am having issues with my checking account balance.
Consumer complaint received 2024-10-25
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)

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and one unauthorized inquiry being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX  XXXX ] Inquiry : [ XXXX XXXX  XX/XX/year> ] An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiry to ensure the accuracy of my credit report.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Beginning in XXXXXXXX XXXX XXXX, I noticed a number of fraudulent charges made on an Amazon Prime credit card. Since this card was issued, it has only been used for Amazon services, and in a digital capacity- it has never been used for an in-person purchase. So, for this card to suddenly be used in person is a clear aberration of behavior, especially when begin used for car rentals, fast food and gas, and at times when I was out of the country, recently returned from an international trip, and otherwise not in the city where the charges occurred. Chase deemed these charges valid because they were interspersed with valid charges ( which were, again, made online and not with the physical card, so I'm unclear how that usage makes in-person charges which are so clearly uncharacteristic for how the card had been used to that point seem valid ). 

The charges were initially rebilled, and I submitted an appeal with various documentation which I felt supported my claim ( including an outline of how this pattern of purchases was a clear outlier, and itineraries/receipts which supported my location at the time of these purchases ), but was again denied.
Consumer complaint received 2024-10-25
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-25
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)

I am writing to formally request the blocking and deletion of specific accounts from my credit report in light of a recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of accounts that I believe should be blocked and deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Additionally, I request that you also investigate the following inquiries, as they XXXX be a result of unauthorized access to my personal information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
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)

I am writing to notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
XXXX Accounts : XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. Self / Lead Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX
Consumer complaint received 2024-10-25
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.