davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 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
Consumer complaint received 2024-07-13
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. (FL)

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

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 belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) : XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, CXXXX XXXX XXXX  is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED XXXX HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX experian XXXX XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX  XXXX XXXX ( XXXX ) ( XXXX experian ) XXXX. XXXX XXXX XXXX correct balance of XXXX and should show XXXX ACT number XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, experian XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX ( XXXX  ) experian ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( experian ) XXXX card XXXX is reporting incorrectly. XXXX is amount due. Act last XXXX XXXX ( XXXX, XXXX, experian ) XXXX, XXXX XXXX XXXX  is showing incorrectly correct amount is XXXX. ( experian )
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Front Financial, LLC d/b/a Ladder Loans (IL)

Hello, I received a solicitation in the mail from Ladder Loans. I submitted my information online through their website as instructed. After no follow up from the company I called to check, XXXX answered the phone took my info and said he knew right where to go for my loan as I had a XXXX credit score and would call me back that afternoon. No call back. I tried on Friday and left a message. I tried back on Monday the XXXX of XX/XX/2023, got a hold of XXXX, said they were having technical issues and that my file was with someone else in the office and they would call me right back. No call back from them. I tried later that afternoon and got the switchboard operator. An hour later I got a text from XXXX, not the other person he said was now on my file and said he emailed me some quotes and to text him if I wanted to proceed. Never received his email. I called and texted that I received nothing. No response from them. I got online to see if there was any feedback on this company and found a recent complaint about the same XXXX. I am concerned that my social security number and personal information may be in the wrong hands. I appreciate any help you may be able to offer concerning this matter.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP. (CA)

On the morning of XX/XX/year> I decided to purchase XXXX from CEX.IO in the amount of {$190.00} ( what was charged to me ) and in the process of that transaction being placed through the website seemed to have some type of an issue and hung up while displaying a server issue on the screen. When the site worked again after being down it actually completed my transaction but only credited me CASH ( USD ) rather than litecoin. 

Since that time, as seen in the attatchment, the net amount given to me of {$180.00} ( which was actually much less than what the fees indicated my net amount would be ) is untouchable in my account. It does not allow me to send the funds, convert the funds, or withdraw the funds. 

Since that morning I have attempted to contact their " live chat service '' multiple times a day with no resonse coming back. In addition, I contacted their social media page which actually answered me multiple times but told me that I had to wait until support got to my ticket. 

Each day when i go into this so called " live chat service '' it keeps saying they will be back next day, or in a few hours or a different type of categorization of when they will return. This is not a " LIVE CHAT SERVICE '' and they chose to respond to social media inquiries but don't invest in the resources to answer a customer that they are holding their money. 

Currently the money is being held hostage by CEX in addition to the fact that I have 5 years of transactions with them where they charged me higher than advertised fees. So if a transaction says {$7.00} in fees potentially i am getting charged {$15.00} or so in fees ( nearly double every time ). So not only do they hold your money without regard, but they charge you unadvertised fees which add up to alot over time.
Consumer complaint received 2019-12-18
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. (WA)

I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-07-13
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-31
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. (FL)

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 2024-07-13
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)

Upon checking my credit report on Experian credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Accounts in violation such as follows : Account names, numbers, and addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  UT XXXX I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Consumer complaint received 2024-07-13
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)

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX
Consumer complaint received 2023-08-10
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-07-13
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. (CA)

XXXX and Experian refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX  XXXX XXXX due to hardship when two family members became terminally ill and I had to leave my job to care for them. I sold my home to pay off the XXXX at 100 % which included the XXXX student loan. Months after the BK was discharged and the debt had been paid in full, XXXX loan contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the 100 % pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and XXXX and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not XXXX.
Consumer complaint received 2024-07-13
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. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a month ago, I filed a dispute with my credit card company Bank of America for charges from XXXX that I did not authorize or approve of. There were XXXX charges of {$500.00} each. My claim was denied and the letter I received stated it was denied because the merchant provided proof that I received the product or service that I paid for. There are XXXXwo issues with that. One, I never received any product or service from the merchant because again, I did not use my card with them and did not authorize the purchase. The second issue is that when I called my bank and asked them to see the proof, the representative who helped me said there was none. He said there was nothing that the merchant had sent in that showed that I received anything. They also couldn't even tell me which product ( I assume tickets since the merchant is XXXX ) it was that I supposedly received. I asked that the claim be reopened and escalated. They told me they would do so on Thursday. Not even XXXX hours later, on Saturday morning, I've already been told my claim was denied for the same reason. Once again, no proof of any product received. All I want is my {$1000.00} back. This is the first credit card claim I've ever had to and this process has been horrible. My credit card limit was also reduced significantly shortly after filing this dispute. It was my understanding that banks could not punish me in any way for filing a good faith dispute. Thanks in advance for your help.