davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am not liable for this debt with the defenders. I Do not have a contract with XXXX XXXX. They have not provided me with the original contract as requested.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

On XX/XX/year> at XXXX in the XX/XX/XXXX, I gave {$340.00} cash to XX/XX/XXXXfor a Visa Debit Card from NetSpend ( value {$340.00} ). I was unable to use the card. So, I went online to activate the card. The website said, theres a problem with the card, & I have to call XXXX. So I called the number at XXXX in the XX/XX/XXXX& was asked for a lot of personal information including my social security number. So, I hung up. I double checked the information on the back of the card. The number displayed on the back of the physical card. So, I called the number back at XXXX and spoke with XXXX . She informed me my card had been closed and I would receive whatever balance remained on the card via check in 15 business days. So, I paid XXXX for the privilege of letting NetSpend invest my {$340.00} for the next 3 weeks. This is a scam. Its a loophole legally, but I lost {$2.00} and whatever value I could have earned from the {$340.00}. I will update this complaint in 16 business days if they do not send the check. 

My phone records indicate I spent 45 minutes on one call that dropped before I could speak with a manager ( Above supervisor ). Everything here seems like a scam. Ive spent an over 90 minutes on the phone and had no resolution.
Consumer complaint received 2024-07-09
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. (MS)

I checked my consumer report and noticed that you are reporting two accounts that are described as charge off XXXX & XXXX. This violates15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( credit bureau ) making the report. If this is a charge off, I have not received 1099 for which account. You, as the credit reporting agency are supposed to ensure maximum possible accuracy of data you furnish to report. Please remove account from consumer report.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (KS)

I applied for and was given preapproval on XX/XX/XXXX pending submission of required documents. I submitted as requested documents but received no response from the company. I called the companies local branch of XX/XX/XXXX and was told they were short staffed but I would be contacted on XX/XX/XXXX by my assigned loan officer. After waiting all morning for a call I contacted and was connected to my loan officer. I was asked to submit another series of documents, which I did, and was told I would receive a return call. After not receiving a response I called back and was told they just needed to review my documents and then we could close on the loan. I waited until XXXX cst-15 minutes before the office closed for the day before receiving a call back. Upon calling back more financial documents were requested including, 90 days of pay stubs, my XXXX XXXX  and was told after these documents were received we could close the loan by the following afternoon which wouldve been XX/XX/XXXX On the morning of XX/XX/XXXX I received another documents request for my full XXXX taxes. This was incredibly frustrating because Id asked on XXXX/XXXX whether my taxes were being requested and was told they were not requesting my taxes. I believe I was discriminated against by One Main financial. I submitted more than a year of financial disclosures and all other requested documents. All of the documents I submitted were valid and more than demonstrated that I could meet the criteria for the loan amount I was requesting in including a credit check. One main financial participated in a bait and switch. They ran a hard check on my credit, failed to reply in a timely manner on several occasions, changed the requirements for financial disclosure several times with no valid explanation of why. Finally after submitting more than two dozen documents and One main requesting even more information I reached my breaking point. I have attached email screenshots of all of the documents requested and received by one main financial and the additional documents requested.
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I was viewing my credit report and noticed that I had a collection from this company and this particular collection has prevented me to purchase for a new car or get a job. I have not recieved any notice that this would be on my credit report. So Im make my complaint.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
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. (FL)

This is XXXX of MANY soft credit checks on my report as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not used my credit and have over 50 credit checks since the beginning of XXXX ... this is only ONE company and i dont kknow what to do because my mother stole my identity!
Consumer complaint received 2024-07-09
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. (SC)

" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-09
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX certified to Experian on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a XXXX balance with XXXX. On XX/XX/XXXX, XXXX sent an email confirming the payoff of loan id XXXX. Experian dispute dept has told me thru a phone conversation that there is no law against XXXX certifying a false balance and the only thing that Experian can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!
Consumer complaint received 2023-06-27
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. (TX)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 2024-07-09
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. (MI)

Received a response from XXXX over at XXXX XXXX XXXX from my regarding of validation issues and I ask for her to truly verify what she is stating she states that everything was reporting accurate and everything has been accurate from start to finish. Everything has been true and there was never no lies or mistakes being reported onto my credit report to harm my credit rating or well being .. so I ask for her to show me and provide evidence on what she stated since I did but she could not. 

So for the account and its reporting I ask for her to fully provide evidence of what she stated From Names, balances, accounts status, active history, transactions history, last payment dates, statute of limitations times for the state of MI, and also the statement made that the account was open and never was closed also I ask her to provide all evidence that her and the company she works for which is XXXX XXXX XXXX still is and was complying with all applicable federal and state of mi laws. 

I provided all evidence on my end and communications showing her responses from her company and the reporting from them and the bureaus for her to prove to me everything is 100 % true. Back up your statements
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've already spent months trying to correct mistakes on my credit report because maintaining good credit is crucial for me. These errors have significantly harmed my financial opportunities and taken a toll on my emotional well-being. Unfortunately, my requests and complaints have been repeatedly ignored, worsening the impact on both my life and my credit.
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Please delete these inaccurate addresses and names on my credit report fcra states anything inappropriate incomplete or unverifiable must be corrected and I also provided proof I should have only 1 address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Atl Ga XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

This is to address the response from Midland Credit Management provided on XX/XX/XXXX. To reiterate, Midland Credit Management did not contact me to obtain my correct address, which was different during XX/XX/XXXX. This lack of due diligence did not provide me with an opportunity to resolve the debt before it was reported to my credit file. This has caused severe damage to my credit file and did not provide me with a fair resolution. 

As stated in the response, Please note that during our investigation of this matter, we notified the credit reporting agencies to cease reflecting the collection tradeline on your consumer credit files. Given this, please provide documentation to show that the credit reporting agencies have been notified and an expected timeframe for when the XXXX collections reported by Midland Credit Management will be removed from my credit file. 

This serves as an urgent request. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Im challenging Affirm placing items on my credit report. I called them starting in XX/XX/2022 to resolve an account that was opened in my name as identity theft. I came across the account when checking my credit report with XXXX. When I requested numerous times for the account to be shut down and charges removed I was denied. After seeing someone had an account and credit card attached as payment forms, I attempted multiple times for the payment to withdrawn out of the persons account but it kept declining. When I finally tried the credit card on file, one payment cleared but when I attempted to process the other loans they had open the person went in and removed their account leaving a balance of loans. I did this because Affirm refused to close the account with the loan balances even though they were able to see the payment types had no connection to my info. Eventually I paid the balance to keep the account from going into collections and hurting my credit but Affirm reported the late payment anyway causing my credit to drop XXXX points even though I tried for 4 months to get a resolution from them that ultimately resulted in my credit being negatively impacted.
Consumer complaint received 2024-07-09
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. (LA)

On XX/XX/year>, I sent dispute letters to the credit bureaus challenging inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 3 ), credit reporting agencies are required to note on the credit report when an account is in dispute. Despite this requirement, the recent credit report I obtained does not show any comment indicating that the disputed accounts are under investigation or are being disputed. 

This failure to mark the accounts as in dispute is a violation of the FCRA and has caused ongoing harm to my credit profile and financial standing. I have attached copies of the dispute letters I sent on XX/XX/year> and the recent credit report that lacks any notation of the disputes.
Consumer complaint received 2024-07-09
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. (LA)

On XX/XX/year>, I sent a letter to the credit bureaus disputing several unauthorized hard inquiries on my credit report. Despite my efforts, all of the protested inquiries are still being reported on my credit file. These unauthorized inquiries are affecting my credit score and overall financial health.

In my letter, I explicitly requested the removal of these inquiries, providing detailed information and supporting documentation to substantiate my claims. I have attached a portion of my credit report highlighting the hard inquiries in question, along with a copy of my letter dated XX/XX/year>. 

The continued presence of these unauthorized inquiries on my credit report indicates a failure by the credit bureaus to properly investigate and address my dispute. This negligence has resulted in ongoing harm to my creditworthiness and financial stability.
Consumer complaint received 2024-07-09
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. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-07-09
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-09
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. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-07-09
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)

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
Consumer complaint received 2024-07-09
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)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights privacy and confidentiality under 15 usc 1681. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Experian report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).