davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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)

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 : # XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 cries 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 2023-02-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX 2023
Consumer complaint received 2024-07-12
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. (VA)

In accordance with the Fair Credit Reporting act. The list a account has violated my federally protected consumers rights to privacy and confideally under 15 USC 1681. 
XXXX XXXX : XXXX I looked at my experiarn credit report on XX/XX/year> and notcied some things are incomleted and not accurate. And according to the credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable produced to assure maxium possible accurancy of the informatin concerning the indovidaul about who the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to this ( 5 ) Treatment of inaccurated or unverifiedble inforation ( A ) In generalif, after any reingestion under paragraph ( XXXX ) of any imformation disputed
Consumer complaint received 2024-08-02
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-12
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. (SC)

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Experian. 
Experian takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A U.S. Postal Inspection Service Report I sent in a valid identity theft report that was filed online with the FTC. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my third and final attempt and submitting this official electronic identity theft report. This time Ive included screen shot from the official government site, as well as the corresponding emails that Ive received after submission of the complaints.

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My account with ( XXXX XXXXXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (OH)

I am a victim of identity theft. TD bank NA issued a credit card to an identity thief without my permission using my social security number. Unauthorized Charges on the credit card are XXXX which was opened XX/XX/XXXX XXXX with a XXXX credit limit. I was notified on XX/XX/XXXX by phone from Admin Recovery of the fraudulent activity. This debt is not mine. I have filed an FTC identity theft report, police report, froze my credit and disputed charges with all three CRAs. Ive locked my social security number. I need to notify the IRS. This fraudulent debt is on my credit reports and a thief is using my social security number.
Consumer complaint received 2024-07-12
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. (CA)

XXXX XXXX XXXX, XXXX, XX/XX/year>, 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 COLLECTIONS ACCOUNT opened by ABSOLUTE RESOLUTIONS INV on XXXX under the account number ( XXXX ), an collection originally owned by XXXXXXXX XXXX and sold to XXXX XXXX XXXX. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

Regarding my previous complaints. I followed up with my banks and none of them reported an " insufficient funds '' I believe due to a software error on Aidvantage 's behalf may have caused the transaction to fail with insufficient funds
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I went into XXXX XXXX XXXX on XX/XX/XXXX. I already had a pre-approval from XXXX XXXX. My mom and I told the staff and the salesperson that I didn't want my credit run a lot of times through their system. I just needed the application to be submitted to XXXX XXXX only. They had system issues for days but I still stood on what I stated. I didn't need it to run to multiple lenders. I had already talked to XXXX XXXX and I was going to be approved with them. Weeks later, I started receiving company denial letters, some of which I had never heard. I then checked my report, and there were about 11 on XXXX and some on Experian that I know of so far. I spoke with several people, and one person apologized and said they was just trying to get the sale. That's unacceptable because I already had a pre-approval for this very reason. I didn't want my credit to run several times and add all of these inquiries. My mother spoke with a person from XXXX XXXX XXXX on XX/XX/year>, phone number XXXX, XXXX and he stated that it was pending with XXXX XXXX so that's why it was ran to other companies. She told him that they should've waited, because it was going to get approved through XXXX XXXX. They just wanted to get a sale and didn't care about what I said.
Consumer complaint received 2024-07-12
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. (GA)

I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

ive also recently disputed accounts and associated inaccurate addresses
Consumer complaint received 2024-07-12
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. (WI)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX ( chargeoff ) {$1000.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

Wire Instructions : This CFPB claim shall constitute written wire instructions directed to American Express executives XXXX XXXX and XXXX XXXX. 

Dear American Express, XXXX XXXX, and XXXX XXXX, In your written correspondence dated XX/XX/2023, you acknowledged receipt of a negotiable instrument for {$12000.00} that was applied to American Express green card account number XXXX. 

This negotiable instrument had redemption rights as a security under CUSIP numbers 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 

Pursuant to my rights as a beneficiary to the aforementionedCUSIP numbers under Phyllis Horace v LaSalle Bank National Association which are equivalent to those of a shareholder or investor in the trust, I instruct you to present the aforementionednegotiableinstrument for redemption to American Express 's contact at the XXXX XXXX and XXXX XXXX as well as to the indenture XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under their routing XXXX and give them the aforementionedCUSIP numbers to specify which accounts the negotiable instrument is drawn upon. I further instruct you to credit the funds drawn from these CUSIP numbers to American Express green card account number XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
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)

XXXX XXXX, XXXX, XX/XX/XXXX : 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 and delete 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. XXXX XXXX opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you. These accounts were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have Attached a copy of my FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Commercial Services, Inc (CA)

They are reporting a debt for something i paid a consultation fee in the past already ; then the doctor sent me a consultation bill way over charged for something i was never made aware of. they tried to run-a scam for an astronomical bill that i was never made aware that i would be charged for. This is ruining my credit. I would like to see proof for this debt. I contacted both and never received a response.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

My student loans were transferred from XXXX XXXX to XXXX back in 2016 but somehow AidVantage reported my account information on my credit report. I had never heard of them, nor did I ever send them any money or information. My student loans are now gone. I owe XXXX. I have tried to dispute them being on my credit report twice in the last few months to no avail. I have called AidVantage numerous times trying to get them to take their company off my report and no one knows how to do anything. The only reason I found out that they were there is when I went to take out a loan the bank asked me about them and the {$27000.00} that they have on my report. She had to lie to the underwriter and say that I was making payments to a company that I did not even know was there in order to get a loan. I do not understand why I can not get this off. I find it disgusting and irresponsible of a GOVERNMENT STUDENT LOAN company to treat a person in this manner.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (HI)

An {$26000.00} auto loan for XXXX XXXX XXXX showed up on my credit report that I am totally unaware of. It was opened in XX/XX/XXXX and recent monthly payments of {$660.00} have been missed or overdue. I called XXXX XXXX XXXX twice. I spoke to a manager named XXXX on XX/XX/XXXX and a worker named XXXX on XX/XX/XXXX. Initially I asked how to report identity theft and XXXX said she would forward the information to the fraud department and they would reach out to me. I haven't heard anything back. When I talked to XXXX she gave me a little bit of information about the account and said she would email me a copy of the loan document, but I haven't received it. I also emailed the company on XX/XX/XXXX reporting that this is fraudulent and that I should not be liable for this account. They didn't email me back, so I emailed back on XX/XX/XXXX and they still didn't respond up until now and it's been past 30 days.
Consumer complaint received 2024-08-02
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.