davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (MD)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Unauthorized Inquiries : 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 XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-23
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. (DC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Initiated in XXXX a fraud alert with Experian. Didn't realize my phone number was off by one number. I tried to get credit and was told that they had to call me first since I had a fraud alert. Call didn't go through and then I checked my alert and realized the mistake. I called Experian numerous times and finally by the grace of God got a real person who took my information and corrected the alert on XXXX and it was fixed on XXXX. I can login and see the information is corrected, but what ever portal that the credit company is using still has the wrong phone number and I still can't get credit and this is causing undue stress on me. Called and called and can't get a real person, its ridiculous.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX XXXX XXXX WITH A REPORTING BALANCE OF {$0.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card account at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal loan account at Self Financial on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (TX)

Every few months I get an email from Net Credit ( sent to my old email XXXX ) claiming I applied for a loan and should log in to get my results. I have never applied for a loan with them and every time they tell me they have removed me from their system but they never do. Almost like clockwork I get another round of application results and get promised again my info will be blocked. 

Just from a CAN SPAM perspective they owe me well over {$50000.00}. 
The refuse to provide the names of the companies they shared my stolen information with and would not provide the IP address, device info used to steal my identity. 
For several years now I have a stalker named XXXX XXXX who is XXXX in the XXXX XXXX who personally and through her brothers XXXX and XXXX XXXX XXXX various tools to harass me online. XXXX has even made several threats to me and sent me messages saying he stalked me in person. All of these have been reported to the XXXX XXXX Police Department ( Report XXXX ) but since the XXXX thinks I am XXXX and the fact that XXXX XXXX XXXX an inappropriate relationship with a XXXX detective they refuse to investigate and in fact tried to blame me for the getting threated. 
I assumed it was XXXX XXXX personally or having her brother XXXX use the lead generation site that XXXX XXXX uses to obtain the illegal information. I have asked for the details where they are getting my info. 
They refused to provide this information. 
My only recourse so far is that when one of these companies that was given my information contacts me I ask for the IP address and other info and tell them that XXXX XXXX has given my info to her brother XXXX and has him harass me since he lives in XXXX XXXX. I also provide their contact info and places of employment in case these organizations wish to contact the XXXX and seek reimbursement for their time being wasted.
Consumer complaint received 2024-10-23
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. (PA)

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I previously disputed the accuracy of these account with the Credit reporting agencies and XXXX. Specifically, i disputed with XXXX via the CFPB XXXX and XXXX is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. Experian alleges that XXXX verfied these account as accurate Affidavit of truth attached. Experian report attached
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Frontline Asset Strategies, LLC (MA)

For years I have been receiving harassing phone calls from Front Line Assets in Delaware regarding an old credit debt ( XXXX XXXX XXXX charge for original debt of {$250.00} ). This card has not been active in almost 15 years! I had reached out to all three credit bureaus and no such debt was found. I also contacted XXXX XXXX XXXX in XXXX MA but they could not find it either. I requested a debt verification letter for years and they still will not send anything in writing to my home. This is effecting my quality of life because they call family members and threaten to garnish my wages and put a lean on my home etc. Its so ridiculous and needs to stop. Please help!
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Birchwood Credit Services, Inc. (MA)

So Im supposed to be closing on a A mortgage with XXXX XXXX XXXX, but the underwriter is giving me a problem saying I have active disputes on my credit report which I do not. I called all three reporting agencies to have such disputes removed. All three credit reporting agencies said there are no active dispute or dispute comments, XXXX XXXX services that XXXX XXXX uses is reporting Inaccurate information, causing me delays and possibly not able to close
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX I sent in a letter to Experian. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. 

I then went back to Experian on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of the year XXXX. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay XXXX  more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I opened a checking account with Citi on XX/XX/24. I made a total of two, maybe three transactions before my online access was blocked. I contacted Citi to lift the block on my account on XX/XX/24. They told me that because of " suspicious activity '', my checking account will be closed. Citi did not tell me why my account was to be closed. They said the closure process takes between XXXX to XXXX business days. They also said I will receive a check for the funds soon after that date. The waiting period ended on XX/XX/24. I have not received a check, so I called on XX/XX/24 to ask for a status update. They said my account closure process has not completed and to call back in 7 to 10 business days. I called again on XX/XX/24. They again said the account closure process has still not completed. The representative emailed an account specialist to expedite the closure and to call back in 24-48 hours. They told me I have the option of going to a branch and asking for the funds. However, there is no branch in my state, so that is not realistic. I still have not received a check, so I called back on XX/XX/24. They told me that my account is STILL not closed. It's been way passed the time they gave me to receive my check, but they still haven't released my funds.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (FL)

My name is XXXX XXXX. In XX/XX/XXXX, I was served a document regarding a credit card, which I did not recognize. I contacted the bank listed on the paperwork to inquire, and they informed me that a credit card had been opened in my name, maxed out, and sent to collections. I reached out to the collection agency to dispute this because XXXX a victim of identity theft. They told me the case had already been forwarded to XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and explained my situation, and they instructed me to complete an affidavit of identity theft and submit supporting documents. I did so, paying for the mailing, but after following up, they told me the documents I sent were insufficient. I asked what additional information was needed to resolve this and was told I would need to file a police report. This is why the police report is dated in XXXX XXXX thats when they told me to do it. 

When I appeared in court on XX/XX/XXXX, the judge asked if I was aware of the credit card account, and I told her no. She also asked if I had received any bank or credit card statements for this account, and I explained I hadnt because Im a victim of identity theft. The judge instructed me to gather witnesses and further documents. 
Now, XXXX preparing for the trial on XX/XX/XXXX, where XXXX be representing myself, and I need guidance on how to support my case. I want to know what documents will help me dispute this claim and how I can prove my innocence. Additionally, I would like information on filing a motion to dismisswhether its a letter or something I say in court. I should also mention that back in XXXX, I saw this credit card on my credit report and disputed it with XXXX. At the time, the collection agency was listed under a different name, Continental, before it was sold to CKS Prime, which is now involved in the case.
Consumer complaint received 2024-10-23
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)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (RI)

Emails dated XX/XX/XXXX and XX/XX/XXXX from TrueAccord Corp. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via XXXX with the IRS and reported it as income. XXXX XXXX XXXX bought my charged off debt for XXXX on the XXXX  from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX  on the XXXX  to TrueAccord Corp who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via XXXX forms!!!!!! I have no contract with TrueAccord Corp nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for XXXX XXXX XXXX. We all know the Note is the Application, which is Self Liquidating Paper with an XXXX Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

There were 3 unauthorized charges to my account on XX/XX/year> for {$100.00}, {$300.00}, and {$1100.00}. I filed a dispute with Chime ( XXXX XXXX  ) but was denied on XX/XX/year>.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XXXX  I opened an wayfarer CC and i was told I can pay my balance in one year, I was making payments every month and this year they added XXXX $ fee on my XXXX $ balance, which i have XXXX $ balance right now I called them and tried to remove the XXXX $ fee because i didnt not know nothing about that kind of fees they dont want to help or do anything to help.