davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (CA)

In accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name : 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 XXXX XXXX XXXX5 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. 9 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other than records of conviction and crimes which antedates the report by 7 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 delete these accounts.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I requested trafficking victims rights from equifax, my creditors and a the XXXX XXXX XXXX XXXX I sent my victims case numbers from DOJ. letter from the attorney genrel for me, XXXX letter and hr XXXX bill and drivers license. Each organization just pasted me from to the other org. saying they couldn't make the change.
Consumer complaint received 2024-09-11
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. (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 XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX 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 XXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (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 XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (NJ)

I use MoneyLion for my online banking and they restricted my account for no reason upon trying to resolve this situation they are making me wait 3-5 business days to resolve the matter which i didnt request mean while i have bills to pay that a linked with this account and i can not access my funds which is causing me financial hardships
Consumer complaint received 2024-10-30
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. (MA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-11
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. (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 NamXXXX 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 XXXXnt XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (FL)

Avant- Credit card notified customers they would not charge late fees or service charges for cash advances for hurricane XXXX in the month of XXXX. XX/XX/year> a second hurricane XXXX hit in the evening creating a second disaster worse than XXXX. I have called and spoken with survivors and agents over an hour today, XXXXXX/XX/year>, the day my payment is due and theyre doing NOTHING to help customers. If I make my payment late, I will receive a late fee. I am in XXXX XXXXXXXX XXXX and I have beed assisted with every other company I do business with. This shouldnt be legal to not assist in the event of a SECOND devastating hurricane that I was in the direct path of.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (SC)

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. 

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (TX)

am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ Wells Fargo ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt
Consumer complaint received 2024-08-08
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. (GA)

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 2024-10-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The company failed to provide me with the validation of the debt as I've requested from them, they also failed to provide me with a 1099-c as they are reporting to the credit bureaus as charge off account and open which is illegal as there client claim to the IRS as a Write off which now make this tax fraud. Every month they also report this twice to my credit report as they threaten to damage my credit report if I dont pay them. they've also increased the balance which has affected my credit score. I have recording of everything on recording with there employee threatening me about this account. I want this removed from my credit report immediately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I traded my leased vehicle and the dealership sent payoff late to the loan holder therefore allowing them to make negative remarks on my credit report. The loan holder indicated the institution reported that I purchased the vehicle on XX/XX/XXXX, as opposed to XX/XX/XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I paid the debt in a settlement on XX/XX/year> and I received a delete letter for the amount that I paid in the Settlement. I sent the delete letter to collection agency and they removed the debt from XXXX and XXXX, but I can still see the debt on XXXX. I contacted the collection agency and they say that they can not find the debt and that it may be due to how long ago I settled on the debt. I submitted a dispute with XXXX but their automated response was that the debt was verified and that they could not remove it fro their report. 

I will be calling XXXX directly tomorrow, but I wanted to file a complaint with CFPB to see if I could have some assistance with removing this debt from my XXXX Credit report.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (AZ)

I was using my target credit card financed by TD bank with my Five percent off benefit to purchase XXXX tickets. I tried to request a credit line increase since my credit line was only XXXX XXXX dollars they told me it would take six months. I then began on XX/XX/year> buying the tickets. I had to wait for my payment to clear to continue to buy them. i made another payment for the balance. On XXXX the XXXX for {$800.00}. the payment was placed on hold and they kept telling me to wait. i asked for a portion of my payment back so I can purchase the tickets with another credit card and they said they can't do that. during that time they kept telling me that I needed to wait and I kept calling and trying to make my purchase. The prices of the tickets went up from XXXX each for two day one park with a XXXX XXXX to XXXX this purchase is now costing me {$72.00} more since I am buying 3 more. I am angry and consider this unfair, abusive and deceptive. I have a great payment history with the bank And I have never missed a payment nor have I ever had a payment rejected. Because of this ridiculous hold time, the price is went up and it's going to cost me money. I called the bank multiple times in between this letting them know that I just wanted to make my purchase.They told me they could not release the hold. i called the bank today to try and see what they could do and they told me that TD bank has no managers to speak with and they cant do anything. The only department they had for me to speak with was target gift card services. i didn't have a payment due and paid off the balance from the previous month so I am not sure why they couldnt refund my extra payment. TD bank owes me {$72.00}.
Consumer complaint received 2024-08-08
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.