davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2024-04-18
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)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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)

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 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have requested that XXXX XXXX to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX tx XXXX I disputed with the company listed above that this account is accurate and has never been late i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The information you see below is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these XXXX sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX  XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged
Consumer complaint received 2024-04-18
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. (FL)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records.

I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau.

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-18
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. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

My AAA Comenity card and my XXXX card are charging my XXXX XXXX XXXXXXXX card interest charges of approximately {$40.00} & {$30.00} every month because I pay the minimum payment every month. But yet I pay interest on those accounts every month.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX {$230.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified. this account is reporting XXXX on my credit report also
Consumer complaint received 2024-04-18
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. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-18
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. (LA)

I just recently looked at my credit report from EXPERIAN on XX/XX/scrub> 2024. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX XXXX XX/XX/year>2024 : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VA)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. if in fact you believe I have receive proper notification please provide the certified mail receipt with my signature on it stating that I have received it.
Consumer complaint received 2024-04-18
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. ()

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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 2024-04-18
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)

I previously disputed this account with Experian. XXXX XXXX account : # XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I attached a 1099-C ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below. XXXX XXXX XXXX. XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$620.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Consumer complaint received 2024-08-19
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)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (TX)

My student loan was disbursed back in 2015. I've never been without a job since graduation with the exception of a few months that I broke my foot, but as soon as I was able to work with a knee roller, I was back. I've even held XXXX jobs the majority of the time and did side work to make funds. I've made all attempts to pay my student loan and unfortunately those who helped me co-sign have helped me which is embarrassing to me. 

The way they set up my payments even if I try to make a payment and bring the one down at a time, they go and disperse the monies through all of them and it's like nothing it budging. 

For ex. how can it be that a $ XXXX loan and I've made $ XXXX in payments and only $ XXXX went to the principal. The interest is fixed. 

I understand that forbearance, deferment and late payments can incur fees, but this is unreasonable, a scam, and not far to those hard workers. Again working my tail off and the reason I need help is to not affect those who believed in me and tried to help me. I shouldn't be penalized because my salary doesn't match my payments to live and survive. I live well below my means. Other than car insurance, a cell phone and a place to live I don't have additional expenses. How is anyone to survive.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (AZ)

I have attempted to contact this company numerous times to rectify my credit report for two different mortgages on my account. XXXX ) XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX AZ XXXX. Both accounts were on auto pay and they were removed XXXX added. I attempted to contact customer service and they advised it was fixed They then advised there was an issue with my bank account but when we reached out to my bank directly they stated there was nothing wrong with the payments. I was advised by agent they were fixing both accounts. Since then the account for XXXX XXXX was paid in full. There are still XXXX late payments showing on my report that they refused to fix. I am also still showing late on XXXX mortgage. I can not get a hold of anyone to fix it or speak to directly regarding this matter. NO one ever returns my call.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

I deposited a check to chase for {$5000.00} and when i logged online to check to see if it cleared, there were hundreds of unauthorized charges, when i called the bank they said i had to gather all the charges and call them back, so i did that, the lady that i spoke disputed the wrong charges and did not dispute all the charges that were not ours, then more charges came through after the claim and we got new debit cards. so i been on the phone with chase getting no resolution or help from chase, they told me they are not giving me back any money for this claim, this happened right after i made this deposit.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (OK)

My wife passed away in XXXX  and she had handled all of our finances and taxes. In trying to sort through the accounts, I came across an email to her from Discover credit cards that showed an account. I assumed that it was something that my wife had opened that I had nothing to do with. I was pretty confident about it since I had never had a card with them nor had I known about an account with them. About that same time my brother in law was with me changing a cell phone account under my name that he was also on without my knowledge and he gave me a Discover card with my name on it. I was unaware that my wife had given him the card.

I have contacted Discover and let them know that I did not have an account, and any account with my name on it was opened without my knowledge. I have spoken with Discover on several occasions and they indicated that if it was not my card I would not be held responsible. Discover said they would investigate.

Eventually I was sent a one page letter saying that they had investigated and that I was responsible for the account. They did not provide any evidence that I started the account, that I ever knew about or used the account. They have also reported late payments to the credit bureaus affecting my credit score.

I did find in our checking accounts that my wife had been making payments to Discover.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

My husband, XXXX XXXX, financed the purchase of a new XXXX XXXX in XXXX. He had XXXX  XXXX at the time. He didnt even know what features the car had. He set up the direct withdrawal of monthly payments from our checking account which continued for years. He died in XXXX. The payments continued to be made. I made sure there were sufficient funds to cover the withdrawals. I expected that the withdrawals would continue until the debt was paid off. I am in my XXXX and developed XXXX  XXXX and symptoms of XXXX when he died. We had been married more than 50 years. He handled all the financial matters. I am completely inexperienced and uninformed about financial matters. I was not functioning normally. I couldnt even remember to XXXX XXXX XXXX XXXX I did not know that they had not collected the final payment. I didnt know that they sold the debt to a collection agency. I am slowly recovering some normal functioning. I found out that there is a lien on the car and my credit rating has tanked. I owe thousands of dollars. I dont even know why they didnt collect that final payment of around {$300.00}.