davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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: Experian Information Solutions Inc. (NC)

I would like to follow up despite my previous four attempts to resolve this matter, the unauthorized inquiries remain unaddressed.The presence of these unauthorized inquiries is negatively impacting my credit score and financial standing. The prolonged delay in addressing this issue is unacceptable and has caused me significant stress and inconvenience. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the unauthorized inquiries and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will be forced to escalate my complaint to relevant regulatory authorities and explore legal options to protect my rights as a consumer. Kindly help me remove the following inquiries immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (AZ)

Exeter Finance ( account # XXXX ) has called me a total of XXXX times during the month of XX/XX/year> after they told me they do not refinance their auto loans. Specifically, there were XXXX weeks in XX/XX/year> where I have received XXXX calls in just the past 7 days. 

This level of contact is intrusive and has caused me significant distress. I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Regulation F, which limits debt XXXX from calling a consumer about a particular debt more than XXXX times within a seven-day period. This regulation, often referred to as the " XXXX in XXXX '' rule, is designed to protect consumers from undue harassment by creditors and debt collectors. 

I kindly request that the CFPB investigate Exeter Finances practices to ensure they are compliant with federal regulations. I have provided detailed call logs to support my complaint and can request additional call logs from previous months if needed.
Consumer complaint received 2024-07-05
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the XXXX affidavit from the site XXXX  Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX.
Consumer complaint received 2024-07-05
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. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so. Also, this company violates my right reference to 15 U.S code 1692e ( 12 ) ,15 U.SC6801.
Consumer complaint received 2024-07-04
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: DriveTime (GA)

Company/Date- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe- DT credit XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  The companys listed above I noticed unauthorized inquiries on my credit report.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2024-07-04
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: Open Dealer Exchange, LLC (GA)

Company/Date- 700 Credit XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Company/Date- XXXX XXXX  XX/XX/XXXX Company/Date- XXXX XXXX  XX/XX/XXXX The companys listed above I noticed unauthorized inquiries on my credit report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (AK)

My name is XXXX XXXX. XXXX used Checkr to conduct a background check on my driving record, in which they found a violation stating I was speeding thirty-one miles over the speed limit. I was able to prove to the courts that the infraction was not mine, as I was living in a different state at the time. The courts dismissed it and corrected the record with the DMV. Checkr updated XXXX of these corrections on XX/XX/XXXX. XXXX continued allowing me to be a driver because the speeding ticket was not mine. 

However, XXXX conducted a new background check in XXXX, and Checkr is now using outdated information, preventing me from working with XXXX due to the speeding ticket that was dismissed and is no longer on my driving record.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MD)

On XX/XX/year> I submitted an application to become an independent contractor with XXXX XXXX, upon completion a background check was initiated by Checkr. On XX/XX/year> the company reported an inaccurate report to the company which has placed my employment on hold. I provided all information and documentation on the issue which should have not taken more then 24 hrs to be verified and removed from my report. Im writing this today because nothing has been done and both myself and instacart are still waiting on Checkr to correct their error
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: LendingPoint Holdings LLC (AR)

XXXX ( XXXX ) XXXX, transferred my credit dept to XXXX XXXX XXXXXXXX XXXX XXXX, since then we have not received any statements indicating what the principle amount applied to the dept. The credit is also no reporting the dept. We have asked for statements since we received a Generic letter stating that we would not make the payment to them. For XXXX months I have made a payment and been given different balance amounts ranging from {$2800.00} to over {$3000.00} to {$2900.00}. XXXX customer service agent explained as its was variable rate and then another that we pay a fixed rate. There is no online portal to view my dept or to see what the amount is. I feel this is fraudulent and need XXXX want to make the total payment but am afraid that the company will not provide proof that the dept is paid. At XXXX point within the last XXXX moths I was also advised I missed a payment which I did not. I paid XXXX payment XX/XX/year> and and the second payment XXXX weeks later to cover the XXXX payment. Every time I ask for a statement or online access they say they submitted a ticket.
Consumer complaint received 2024-07-03
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. (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 2024-08-02
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. (SC)

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, XXXX XXXX and Experian. Although XXXX and Experian have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : XXXX. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports. 

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with TransUnion, XXXX XXXX and XXXX. Although XXXX and XXXX have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), TransUnion has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with TransUnion have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (SC)

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, Equifax XXXX and XXXX. Although Equifax and XXXX have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Since XX/XX/year> I have been sending ROBINHOOD support messages regarding several unauthorized transactions on my statement that date back to XX/XX/year>, thru the end of XXXX. EVERY transaction listed as XXXX should be disputed. These were made by a minor child ( XXXX XXXX XXXX  Who accessed my device by guessing my pin and using financial information which was stored by the XXXX website. 
No screening was required by the website to ensure the person making these charges was indeed the person authorized to make these charges. Also this was a minor, placing charges on a gaming website intended for adults who are XXXX. The website should require proper identification to ensure a minor isn't accessing the site or that the person making charges is the actual authorized card holder. These are all transactions listed as XXXX. Robinhood has made reporting these UNAUTORIZED charges nearly imposiible. However I have indicated in each of my support contacts, starting on XX/XX/XXXX, that I was disputing all charges from XXXX as unauthorized charges. AS SUCH, ACCORDING TO ROBINHOODD OWN TERMS AND CONDITIONS, AS WELL AS BANKING REGULATIONS PROTECTIONS, I SHOULD HAVE ALREADY RECIEVED PROVISIONAL CREDITS FOR THESE DISPUTED TRANSACTIONS, AS THERE HAS BEEN NO RESOLVE FOR THESE AND I SHOULD HAVE BEEN AWARDED TEMPORARY PROVISIONAL CREDITS. I have every right to dispute transactions regardless of my account status. I expect an immediate credit be issued for the transactions I have reported. There should be no more delay in the credit being issued as I've already submitted the claim more than XXXX days ago. The case number from Robinhood support is Case Number : XXXX. I am also including my ROBINHOOD SPENDING ACCOUNT transaction reports for XXXX THRU XXXX for reference. The transactions colored RED ( XXXX ) are the items being disputed, and are the items I have reported.
Consumer complaint received 2024-09-04
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. (NJ)

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 2 out of 3 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. 

XXXX - XXXX,
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-13
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CT)

Victoria Secret Credit Card XXXX/COMENITY/VICTORIA This account was opened on XX/XX/year>, and its status is now marked as " closed. '' After the first two months, specifically in XXXX and XXXX, I noticed unauthorized charges on the account, though I dont have the exact dates. I contacted Victorias Secret to explain that the purchases were not made by me and that I dont even shop in that city. Unfortunately, I received no resolution or assistance. The account is now closed, and I am unable to get any further help.
Consumer complaint received 2024-07-03
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. (LA)

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