davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BetterNOI, LLC (FL)

Company will not perform a complete re-investigation of my report. 

Screening reports stated that there using a XXXX XXXX report. That report had inaccuracies. 

Also, company is not authorize to CALL, EMAIL me asking random questions.

The company is authorize to provide me with a XXXX XX/XX/XXXX report through email. 

And to also use current information to do the re-investigation. 

I feel harassed. 

I submitted more then enough information for the company to perform a thorough re-investigate. 

I don't need to go back and forth through email. I submitted all of my requested. 

Here is there email response from XX/XX/XXXX : Thank you for contacting Screening Reports. We are reaching out to you with regards to the complaint filed with the CFPB. We would like further clarification on what information you would like removed from the report. The addresses and credit accounts noted on the report is the information reported by XXXX in XXXX. This includes the address that was noted on the application form that was filled out when applying to XXXX XXXXXXXX at the time. Are you able to clarify if you were a victim of identity theft and the reported information was a product of that? If so, we kindly ask that you provide us with a copy of the police report so that we can delete the affected information. 

Additionally, I would like to clarify that the " Eviction '' noted on the report is listed as dismissed so the report reflects that there was an eviction filing and that the case was dismissed. However if you have any court documentation regarding the dismissed eviction showing that it was expunged or removed we will gladly revise the information on the report if applicable. 

We are more than happy to assist you with this dispute process, I've attached a copy of the current report for your review. Please include your contact information so we can follow-up with you if we need additional information. 

Here is my response on XX/XX/XXXX : To whom it may concern, Please re-investigate my consumer/credit report for todays dated XX/XX/XXXX. 

The XXXX report from XX/XX/XXXX should be use in your investigation. 


Please Re investigate my report to the current XXXX report. 

Please provide proof that the information you are reporting is updated.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - Balance {$580.00} XXXX  # XXXX - Balance {$880.00} XXXX XXXX XXXX  - Balance {$230.00} XXXX  # XXXX - Balance {$110.00}
Consumer complaint received 2024-09-09
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. (CA)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following inaccurate information on my credit report, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ), I request that you : 1. Conduct a reasonable investigation to determine the accuracy of the disputed information.

2. Correct or delete the inaccurate information within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( C ).

3. Notify me of the results of your investigation and any corrections made, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I have attached documentation supporting my dispute, Failure to comply with the FCRA may result in legal action, as provided by 15 U.S.C. 1681n. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (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.

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 2023-02-12
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: ALLY FINANCIAL INC. (IL)

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Also you are not reporting Fair and accurate reporting to my consumer report. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as XXXX. You are reporting a charge off/cancelled debt which is considered income. XXXX is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
ALLY FINANCIAL XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I have my auto loan with Ally Financial, for about 3 years I have been paying my loans. All my life I never Paid anything late. During Covid I fell on hard times and I contacted Ally Financial and I requested a month of payment extension. The Rep. told me I qualified because I was sick with XXXX and was not able to make that payment. Ally fianc went and reported a late payment on my account because the rep. failed to inform me that in order to be qualified for the payment waiver I would need to pay half of the payment. This is malpractice of this company which they blamed me for it. They refused to take account for they rep. mistakes. This is just wrong and unethical. Despite my efforts to resolve this they simply refused to take fault for they staffs incompetence. I am trusting with Ally financial and now I am coming to you for help. This is causing me all kind of issues with approving for a mortgage. 
Agreement Number : XXXX Make : XXXX XXXX XXXX XXXX : XXXX Information : You can reach us by visiting XXXX or call us at XXXX ( XXXX ) Do not send cash or post-dated checks. All checks will be processed upon receipt. Make checks payable to ALLY. Return the portion below with your payment to the Payment Processing Center address below.
Consumer complaint received 2024-09-09
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. (NV)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC. (LA)

On XX/XX/XXXX I went to see XXXX XXXX for annual wellness checkup. After my visit XXXX  months later! recieved a bill for {$40.00}. I contacted the Dr office questioned them about the bill. Stating that it was for annual check up. I have XXXX XXXX XXXX and XXXX XXXX insurance. I should not have a copay. Especially for annual check up that is covered at XXXX XXXX. I've seen this XXXX for many years. Often for annual check up. So after another 3 months I received a collection bill from collection agency. I called that agency stating that I have dual insurance and it was supposed to be wellness checkup. The collection agency said they will contacting XXXX XXXX office and will call me if there is issues. Haven't heard back from the collection agency since. So now I schedule for my annual wellness, when I showed up for my appointment, I was told I can't see XXXX XXXX because I didn't pay my bill. As many times I disputed this bill, they told me it's my responsibility to pay for it. 
I told the office manager that if I truly owed it then I would have paid but it's wrong to bill me for {$40.00} when I have dual insurance and covered XXXX XXXX for wellness checkup. 
So I called the XXXX XXXX back today XX/XX/XXXX, now they told me that they did not file as a wellness check up but as a new patient. I was not inform about being a new patient especially I has been seeing the XXXX office for many years. This is unethical and insurance fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
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. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-09
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
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. (MN)

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.

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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-10-28
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. (MI)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Debt USA, LLC (VA)

Hi, In XX/XX/2019, a company called, XXXX XXXX and XXXX XXXX reached out to me to assist me with my eligibility for student loan debt relief. I spoke to XXXX XXXX, who no longer works there and was promised that if l paid {$1200.00}, in installments, I was promised that XXXX would handle any and all documentation regarding my repayment process and that did not happen. XXXX did not even have the ability to do so as they transferred the loan to XXXX less than one year after our agreement. 

I would like to be refunded the {$1200.00} l paid for services l was promised and never received. They called using the name XXXX but the withdrawals were made to XXXX XXXX and Student Debt USA, which they claim they only contract with but do not actually charge the clients. Now almost 5 years later, l have found the fraudulent businesses that charged me {$1200.00} to process all the necessary paperwork regarding the repayment of my loans. I was told it would be taken care of by and that did not happen and l would like my money returned. The process departments of all three of these businesses have never returned my calls or emails that l sent. I am now aware of the unethical and potentially unlawful practices of the scamming companies and would just like my money returned. It is a great deal of money to my family and l and especially during this time we do not have money to lose at the hands of dishonest people making illegitimate promises. Any help regarding this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-09
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. (TN)

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Consumer complaint received 2024-10-28
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. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

According to the fair Credit Reporting Act this creditor has violated my rights under 15 USC code 1681 ( E ) ( B ) Which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. The reporting agency has failed to show validation of bankruptcy.