davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
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)

XXXX XXXX XXXX XXXX # XXXX as showing on my Experian report has not under any circumstances resolved this issue. 

ive stated that this isn't my account and for them to validate this as Per the fact I was incarcerated from XX/XX/2023 to XX/XX/2023 this debt shows opened on XX/XX/2023 I was incarcerated in XXXX XXXX detention center during that time and that can be verified with the police officials For the fact that Ive stated many times for this item to be removed not only did the ignore my request but they Maliciously, Abusively, and in unfair manner Sent this file to collections to further my burden. 

Under FDCPA Debtors are not allowed to operate in such manner and this company seems to purposely be doing so. 


Ive attempted to resolve this not only with the company but also with Experian who has also not resolved to remove this from my credit file promptly. 


Under : 15 U.S. Code 1681 - Congressional findings and statement of purpose Item ( B ) States : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter XXXX XXXX XXXX Has violated this law and is acting maliciously in the sense. 

I want this item removed from my credit file and my credit file updated and a written letter of the prompt removal and updated credit report
Consumer complaint received 2023-12-24
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2023, I sent Experian XXXX letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Experian has failed to comply.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you 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 Debt XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems Incorporated. Please delete ALL the following accounts and ALL Inquiries.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Today, I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXXXXXX XXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

THIS ACCOUNT DOESN'T BELONG TO ME!!!! 



Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Terminated Terminated Account Status : Open Open Monthly Payment : {$0.00} {$230.00} Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$25000.00} {$25000.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XXXX XXXX Comments : - - Date Last Active : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX, XXXX contacted Equifax about not being able to access their website using my user ID and Password. I was advised that Equifax required XXXX  Product Users to purchase XXXX XXXX Search Engine to access Consumers Credit report online. I had attempted to access my credit information due to errors that Equifax had made, inclusive of no credit updates to my report in over a year. I was advised about the need to purchase XXXX XXXX by the Equifax employee I was speaking with. This is an unlawful act.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

sometime in XXXX or XXXXXXXX XXXX XXXX my cashapp account was closed for no apparent reason i been using cash app for years with out any issues i felt i never did anything in violation of the terms and conditions
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX 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 XXXX XXXX Account Number : XXXX {$15000.00} Account Name : XXXX 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 2023-12-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I filed mutiple disputes in regards to inaccurate reporting of information on my credit profile with all 3 agencies they are continuously violating my credit reports the way that theyre reporting the same item but differently with inaccurate information on each report, the account listed is XXXX XXXX  with all the violations on my report they still refused to look into it!! I do not want to involve an attorney but this is getting ridiculoussince theyre all verifying accurate information why does my credit reports show different information with each bureau please look into this
Consumer complaint received 2023-12-25
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation (CA)

On XXXX, I opened up a OneMain Financial XXXX credit card. 

On XXXX {$89.00} was withdrawn from my bank account via wire transfer from XXXX XXXX. Automatically, I thought of " BrightWay  '', whom I have my credit card with. I called them, and they declined " knowing anything about this transaction '', but admitted that they are partnered with them. I never gave my account bank to XXXX XXXX ; I only gave it to BrightWay. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ), and when I asked about how they got my account details to steal this {$89.00} from me ( that BrightWay  likely gave it to them without my permission ), they simply responded with : " Thank you for contacting Bright. Please be informed that we see your account information is already deleted from our database. ". I have attached a screenshot for reference of our email correspondence. Everything seems very shady with vague replies. 

I owe BrightWay  {$540.00}, but they claimed on my credit report that I owe them {$640.00} because their unfair " interest charges '' and " late fees '', because I'm unable to make any minimum payments due to me having to report the fraudulent charge of {$89.00} and freeze my bank account. I had to open a new bank account elsewhere and switch my financial information with all of my bills, and it was a very frustrating process. I called BrightWay  to make a payment by debit card, because I explained I am afraid to ever give them anymore bank account or routing numbers because they shared it with XXXX XXXX ( their secret partner ). Because they refuse to give me any other option to pay other than account/routing number, they keep accruing me unlawful " interest rates '', " late payment fees '', and also hit my credit score TWICE with delinquencies on XXXXXXXX  XXXX XXXX 

I am stuck without any way to resolve this issue. Please, I ask that BrightWay  's already-charged annual fee of {$60.00} be waived along with their unlawful interest fees and late payment fees ( I could not make any payments because they shared my account bank information with their thief partner ), so that the total I owe BrightWay  is {$480.00}, and I would like to make monthly payments to them through a 3rd party, so that they would not steal my information anymore. I do not trust them at all, and whenever I called them, I was always speaking to the same person, so it leads me to believe that this is a very small company ( if not operated by one person/scammer ). 

Thank you for your help, and I hope we can also remove the unlawful delinquencies on my credit score because of their scamming and fraudulent practices. If there is a way I can be waived everything I owe them because of my exhausting stress, that would be even better. I look forward to hearing from you at your earliest convenience.
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-25
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-25
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. (AZ)

hello on XX/XX/ I placed a dispute with Experian agency and they did not complete or process my rquest. I signed in online and they have yet to process my request. I know that they have 30 days to process my request and they have yet to complete anything.
Consumer complaint received 2023-12-25
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, XXXX, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD FOR YOUR VERIFICATION. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Consumer complaint received 2023-12-24
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. (NC)

According to the XXXX data breach my data was effected. My information was bought and sold without my permission or consent. Because of this data breach I want the accounts listed on the attachment deleted immediately. XXXX, XXXX, and experian has not responded to any of my documents sent to their company via mail. Can you help me remove these items? Because of this data breach I was charged 10.74 % APR on my car loan. I was denied access to purchasing a home and denied credit extensios. XXXX XXXX and experian all need to delete the items that are attached. I sent letters to all three companies with no response or actions.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, Experian put erroneous information on my credit report. When I inquired about the information I was told it was from a doctors office. The company however, is called the XXXXXXXX XXXX XXXX XXXXXXXX and the total amount is for {$1700.00}. I disputed the amount, advised it was not mine, and requested any documentation proving that this was my account. I also provided documentation that my identity have been stolen. Has previously put a block on my credit report and usage of it. Despite all of this information Experian advised this was my account but provided no information to confirm.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance of 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 has violated my rights. 

I looked at my Transunion, XXXX and XXXX 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 2023-12-24
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)

Experian, XXXX, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.