davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, 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 from the file of the consumer, or modify that item of information, as appropriate, based on the result of the investigation, and ( ii ) and properly notify the furnisher of the information that has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX- This personal information is incorrect, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, FL XXXX - This personal information is incorrect, please remove from credit report immediately Accounts : XXXX. XXXXXXXX XXXX Acct XXXX - This account is being reported inaccurately, please remove from my credit report immediately. 

XXXX. XXXX XXXX ( Original Creditor : XXXX AT T ), Account XXXX - This account is being reported inaccurately, please remove form my credit report immediately. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately. 

XXXX. XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-16
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-07-16
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 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 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wired {$42000.00} to XXXX cXXXX XXXX from my Bank of America XXXX checking account to purchase a classic car. Once I wired the money the seeker stopped answering his phone and I immediately called Bank of America to freeze the wire and report fraud. This was within XXXX hour of the wire being sent. They recovered XXXX of the XXXX. I dont understand why Im missing XXXX in recovery when I called immediately and the receiving bank was a Bank of America branch XXXX Please investigate their actions and if there was a delay on their end to recurve my money which cost me {$10000.00}.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-07-16
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-07-16
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-16
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. (AR)

XXXX XXXX XXXX {$12000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX  publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Consumer complaint received 2024-07-16
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. (LA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 
The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 
It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (MO)

My wife and I purchased furniture durning a veterans day sale in XX/XX/XXXX and received discount d/t me being in the military. We purchased the furniture for less than {$2300.00} and was told we can pay it off in six months with no interest if we didn't pay it off we will have interest applied we recieved no contract from the store or any information on the interest that would be applied. I received a call from the finace company American First and they told me that I only had 3 months w/o any interest and if we didn't pay in that time interest would be applied ; they did not disclose the interest rate to me at that time either. We made ontime payments of XXXX every two weeks. I called in XX/XX/XXXX to find out when my last payment would be because I had already paid XXXX and they told me that we still owed over {$2000.00} ; when I asked why they said " fees and interest '' ; I was so confused and upset I hung up with them. I again called in late XXXX to find out how much more I owed and they told us {$1700.00} ; only {$370.00} less than what I owed in XXXX after I continued to make on time payments of XXXX every two weeks. When asked them what is going on they again said fees and interest we stayed on the phone and demanded answers they said that I am being charged an interest rate of 124. %. We were confused and asked to talk with a manager and explained that we have already paid double of what we purchased the furniture for. When we told them that the interest rate was never discussed the manager XXXX said she called and talked with me about the interest rate and it was on recording we asked to listen to the tape as it was never discussed and we never received a contract disclosing the interest rate she refused to let us hear the recording and said " I let you know that interest will be applied if not paid in three months and asked if you have questions '' I asked " so you didn't disclose the interest rate at that time and have not provided me with a contract '' she said " I asked you if you had questions ''. We asked to have a contract sent to us by email and gave her our email address and she continued to get it wrong and said she sent it out but never received as she kept getting the email wrong. A couple days later we received an email from them only giving us a reciept of what we paid ; still to this day we have not recieved a contract ; we emailed them asking for it and called once more. I got in touch with a paraleagal who told me that I should check into the Military Lending Act as lenders are not supposed to charge service members more than 36 % when I found this website. I am trying to sign up for deployment and need this resolved before I go so my wife isn't left to deal with it while I'm away. 
Please find attached my account with American First, transactions from my bank account showing ontime payments, and the email they sent that was not the contract we requested but a transaction list.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

PLEASE DELETE ALL ADDITIONAL ADDRESSES ON MY CONSUMER REPORT THAT I DID NOT CONSENT OR APPROVE OF. PLEASE UPDATE MY CONSUMER REPORT TO THE FOLLOWING INFORMATION ON THE DOCUMENT ATTACHED. IAM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-07-16
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX. XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-16
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. (IL)

Thank you for assisting in removing some erroneous credit report entries from my file. However, a few items still need your attention. This is my second CFPB complaint regarding incorrect credit reporting, and I dispute these inquiries in my file resulting from this issue. The inquiries I am disputing do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove these inquiries from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Additionally, the information you provided on these inquiries was deleted by other bureaus, and I doubt their accuracy and the reported history dates. As per Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days, given ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of such information by me, and ( 4 ) my statement that the information does not relate to any transaction by me.