davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Account Number- XXXX I am now requesting proof of the previous investigation. I m asking that you send your method of investigation, a long with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, If you can not provide me with this information In 15 days update the account to Paid/never late and send me a copy of my updated credit report thank you
Consumer complaint received 2024-06-01
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. (TX)

I appreciate your efforts to remove some of the inaccurate items from my file that resulted from erroneous credit data, but there are still items that need to be addressed. Pursuant to FCRA section 605B, you are required to remove any items from my file that resulted from inaccuracies in my credit history within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. Attached is my updated FTC report XXXX : Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- -- -- XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note, according to FCRA section 605, you are required to remove any items within 4 business days if they are the result of inaccuracies in credit information. Additionally, please send the necessary notifications to the data furnishers involved. Thank you.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2024-06-01
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-01
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BAM Management US Holdings Inc. (CA)

I invested money to XXXX XXXX, XXXX  and binance. I was receiving e mails from XXXX XXXX services. That I owed money and they are a debt collector. XXXX is the name of representative from XXXX. She calls me almost everyday and I have received a lot of emails. I ignored them. I have been taking care of my credit score so good. My score from XXXX  XXXX XXXX XXXX reached to excellent one time and it remains on very good most of the time. One time I was so surprised from XXXX it wet down to XXXX. I scrolled down why it happened and I saw this XXXX they reported me as derogatory record. She ruined my life. I am so devastated. Today my son asked me to apply as a co signor for his student loan. I wasnt approved because of what she did. When I talk to her I requested document that prove that I owed money from Binance. She said they would send me within 7 days but I did not receive any. In our conversations she said my deposit didnt go through. I said if my deposit didnt go through they should just leave it alone. That means I wouldnt have an investment to them. I was innocent and didnt realize it was not deposited. Also why they have to fund it? Why they didnt email me that? Also I have the same amount with XXXX  {$3000.00}. And my money there now is. {$3500.00} as of this date and time. It is XXXX. And my XXXX from {$500.00} is {$870.00} now. These was the same time I tried to deposit to Binance too. I thought it was my money. When I learned that I contacted my bank to search my deposit to Binance, m they didnt find any. But then It was not my fault. If they really funded me, which I didnt like to, the money should grow like in XXXX. I didnt borrow money from them. I was not aware and is this kind of scam? I asked XXXX how many innocent people happened like this am I into the only one she said, she said theres a few. And she also told me to pay it first and dispute. What kind of deal is that? I dont owe money and she wants me to pay? After the conversation and my request of documentation, she kept calling me non stop. She harassed me a lot. She ruin my life. I did hard to take care my credit score. And now I feel bad for my son. He was needing my help so bad.
Consumer complaint received 2024-06-01
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. (TX)

I Have Tried Every possible way to cooperate with Experian and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Consumer complaint received 2024-06-01
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)

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts. While checking my credit report, I noticed accounts, I did not authorize were made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. 
I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, inquiries, and collections. 
XXXX XXXX! 
XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX 
XXXX XXXX : {$210.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card XXXX Balance : {$1100.00} Balance updated : XX/XX/XXXX Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card XXXX XXXX Balance : {$340.00} Balance updated : XX/XX/XXXX Credit limit : {$420.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX XXXX : - Balance updated : - Original balance : {$9500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease XXXX XXXX XXXX XXXX : {$19000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$26000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease FROUDULENT COLLECTIONS! 
XXXX XXXX XXXX XXXX : {$360.00} Balance updated : XX/XX/XXXX Original balance : {$360.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Experian reported two collections from XXXX XXXX XXXX for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted XXXX XXXX to get some information on the matter. I provided XXXX XXXX with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. XXXX weeks later Experian sent me the dispute results but XXXX XXXX didnt remove the collections. I submitted another dispute, called XXXX XXXX again and did the same process for the second time with the same results. Experian sent the dispute results ( again ) but XXXX XXXX didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an Experian representative, called XXXX XXXX for the third time and was told the same answer, ( no accounts in their system ). At the end of the day Experian already contacted with a result and still showing the collections confirming that XXXX XXXX is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-01
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)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

Virginia housing in XXXX Virginia continues to ignore my requests to do a readjustment or assessment on my account so that my monthly payment will show the correction on my monthly payment account. It is not until I call XXXX  that they take my request seriously so this is being sent again. I am attempting to get my monthly payment for XX/XX/2023 adjusted as I just made a large escrow payment that would be in the positive. I will not make my monthly payment or pay any extra fees until this company adjust and respect my request to get the adjustment done. It was done recently due to a large amount of money being put on the account and it was done with no problem once they connected me to the right person with this agency. This is not about company protocol this is about them being lazy and not making the adjustment to take 5 minutes to go to the computer adjust my escrow and have it posted
Consumer complaint received 2024-06-01
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-01
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year> i contacted Navy Federal Credit Union about charges that i did not make that I seen on my account. They said that the charges were made in XXXX and another country. They issued me a credit on my credit card and all was well. On XXXX XXXX Navy Federal then went and reversed the credit out of nowhere. I contacted them again and put in a dispute. At this point I had realized that the cause of these charges were from my XXXX XXXX as this Navy Federal Credit Card along with another credit card was in my phone as both cards were used. I sent in the details of all of this proof, as I was not out of the country to make theose purchases, as well as I had made police report on this matter against XXXX XXXX XXXX. 
I sent a registered letter to NFCU on XX/XX/year> which they claim they never recieved asking for proof of purchases made by me. On XX/XX/year> i then electronically submitted the att bill that shows the upgrade of my phone with the date, police report. which on XX/XX/year> they denied the claim without warrant. 
Again I contacted them disputing that as how could they deny the claim when I did not make these purchases nor responded to any letters showing proof that I made these purchases, as well as the reason why they are dening this claim. NO RESPONSE In XXXX they reported late payments on this card, Under law 1681s 2 and 1681i they arent allowed to report late payments until the matter was resolved. XXXX XXXX I sent yet another letter tracking XXXX usps which they have yet to respond to.
Consumer complaint received 2024-06-01
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. (MD)

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. 

Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-01
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. (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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.