davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harrasing phone calls about loans that we never asked them about. Insisting we verify our information with them that we never gave them. After asking repeatedly to not call and remove from their call list XXXX XXXX insistently kept asking for more information.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-05
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. (GA)

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 inquiries I didn't consent to and personal information 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 never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CA)

I purchased a XXXX XXXX XXXX in XXXX through Westlake Financial Services. On XX/XX/XXXX my father ( which was on the loan as well ) got into an accident which made the vehicle a total loss. My car insurance at the time ( progressive ) paid Westlake Financal Services close to {$14000.00} for my vehicle. Their was still a little over {$2700.00} left on the loan. This is just straight interest. I called them multiple times after the insurance had paid the loan company to see if I had any gap insurance to help cover the remaining part of the loan. They would keep transfering me to people that would not help me. XXXX representitive even told me that " I did not qualify for gap coverage, because I've had missed payments in the past ''. At this point, I just had to wait for the right oppurtunity fiancially to be able to pay this off. For XXXX months I recieved missed payments from this loan company on my credit report. Finally, I got a letter in the mail from Westlake Financial Servies that they are willing to settle my loan for less then what is owed. XXXX days ago I called and settled the account for a little over {$500.00}. Today I recieved an email from a company requesting more information from Westlake Financal and I for gap coverage that the loan company is trying to make a claim with. They also had all of the paperwork from when I purchased the vehicle that I DID infact have GAP coverage. I have now suffered very hurt credit from all of the missed payments, a loan on my credit report that states I have settled a loan for less than what was owed, and was getting harassed by phone calls for MONTHS from Westlake Finacial Services for payment. if i was made aware that I had GAP coverage from my loan company ( which they already knew since they filled a claim ) I could have potentally not had to deal with all of this. Since this happen I have called Westlake Finacial to see if I could settle the issue on my own and they HANG UP ON ME everytime I explain the situation and they tell me they will do reasearch. The line just disconnest which proves to me that their was an error and/or they are in the business of scamming people
Consumer complaint received 2024-06-05
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)

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 account listed without my expressed written consent.
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Colony Brands, Inc. (NJ)

I have had credit with most of the companies owned by XXXX XXXX for quite some time now. Never missed a payment with any of them. But, because of circumstances beyond my control, like being hospitalized, I have been late just a few days, once in awhile, with XXXX or XXXX of my payments with XXXX or XXXX of their companies Because of debt accumulated by my late husband being so ill, I was forced to file bankruptcy approx. XXXX years ago. I took this action to save my home of over 77 years from being effected..But even with that action I still had good credit with their companies.It wasn't until about a week ago, I was denied credit purchasing a box of candy via Swiss Colony. Even though it showed I had over a XXXX dollars credit left to use.I never got a straight answer as to why I was denied credit, until I called their XXXX office. It was then I learned they recently purchased XXXX about a month ago, this is why I was denied using my existing credit with ANY of their companies. Now XXXX XXXX has gone a step further and stripped all of credit away from all of my existing accounts.. 
XXXX XXXX was listed on my bankruptcy. But everyone is being paid in full through my bankruptcy and I had all of my other existing accounts prior to Colony Brands buying XXXX XXXX. 
XXXX XXXX does not care or choose to listen to anything explanation I offered. 
Even in these times, I can not believe how cold and uncaring Colony Brands has become..If you value your sanity and credit, stay away from ANY company owned by .Colony Brands .....
Consumer complaint received 2024-04-05
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: JPMORGAN CHASE & CO. (NY)

So I applied for XXXXXXXX freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries
Consumer complaint received 2024-06-05
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>
Consumer complaint received 2024-06-05
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. (MS)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate these records. I've proactively remembered this report for a past letter and I am including it once more. here are the list of Accounts that needs attention in my file : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

CRA VIOLATION NO KNOWLEDGE OF INACCURATE XXXX XXXX AND XXXX XXXX XXXX XXXX   ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (VA)

I spoke with XXXX ( who would not give me anymore information about his id or last initial of last name to identify ) from the fraud mediation and detection department. There is a {$500.00} hold on my account for absolutely no reason. These are my funds and they are not giving any reason as to the hold. There was an attempt for a eternal transfer INTO PNC from my other bank but that failed. Regardless, no money was taken from PNC or my account so there should never have been a hold on my account. PNC is not able to give me any reason as to why the hold is taking place and XXXX is not transferring to a supervisor. He is not helpful and does not care. He said he would escalate my complaint but could not offer any reason as to why the hold is there. When asked why PNC would do such a thing, he agreed that it was strange.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

FICTITIOUS ACCOUNT OPEN UNDER MY PERSONAL INFORMATION WITH YOUR COMPANY XXXX XXXX  account # XXXX date open XX/XX/year>2022 I believe that I have been receiving communication from your company in relation to allege account. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable Florida state laws ( FCCPA ), that all communication regarding this ALLEGE matter cease immediately. 

CEASE ALL REPORTING OR SHARING OF MY PERSONAL INFORMATION I HAVE Attach FTC REPORT, POLICE REPORT AND AFFIDAVIT OF FICTITIOUS ACCOUNT please remove and re-investagte
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-03
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I XXXX you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/2022 I have sent multiple letters to Credit Reporting Agency regarding : XXXX ( XXXX ) ACCT # XXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently.

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the credit reporting agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.
Consumer complaint received 2024-06-05
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX {$210.00} XX/XX/year> account:XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reverse the above late payments and change them to CURRENT on my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the change of the above referenced account, and send out a free copy of my report after the changes have been made will result in illegal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regard, Your Name Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have been disputing these accounts for over a year They are reporting to my credit report wrong. 

XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX {$1400.00} XXXX {$540.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$500.00}.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I deposited my check from work on XX/XX/XXXX and it became available on XX/XX/XXXX. On XX/XX/XXXX, my account was already closed and my funds were unavailable to me. I called many days and the only answer that was given to me was that they werent able to disclose any information to why my account was closed. They said that they have the right to hold any information and I have to wait over XXXX  days to get my funds back. This aint right because I work very hard to provide for my kids and I was counting on this money to pay my rent for XXXX and Im late XXXX days.
Consumer complaint received 2024-06-05
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. (GA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.