davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it
Consumer complaint received 2023-12-20
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)

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demands.
Consumer complaint received 2023-12-20
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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 XXXX out of XXXX 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. these are the accounts :
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

Am a membership rewards member with American Express. Points have been frozen as my account is under review to make sure my purchases fall in-line with their guidelines.

On XX/XX/2018, I filed a complaint with CFPB. See, " CFPB Ref No : XXXX ''. American Express responded on XX/XX/2018 with a letter stating that all XXXX MR points have been released and are available for redemption and transfer. See letter, " Ref : XXXX ''. Called American Express customer service. Nothing they can do on their level.

Unfortunately, my points are still not usable as per letter. Filing a new complaint to get this resolved as soon as possible. This is my second complaint sent to American Express.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-04-01
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: EQUIFAX, INC. (NC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have written to Experian seven times to get them to address inaccuracies and other false information contained in my credit report. They have ignored my complaints and " verified '' without proof, but the errors remain. This is extremely unfair since they are supposed to adhere to FCRA law, including striving for 100 % accuracy on consumers ' credit reports, not violate it.
Consumer complaint received 2023-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NJ)

I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. 

Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. 

As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. 

If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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 XXXX out of XXXX 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 attached file for these items I am complaining.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

I request an immediate investigation into these fraudulent accounts and ask for their removal from my credit report. I have taken appropriate steps by reporting this identity theft to the authorities and the affected creditors. Therefore, I kindly request your prompt assistance in rectifying this situation.
Consumer complaint received 2023-12-20
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. (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. 

has violated my rights. Or a 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 2023-12-20
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. (NJ)

I was reviewing my reports and found a few question markings attached to some accounts that i found alarmingly questionable. I wrote Experian to have them make the corrections to my report and even the companies being wrongfully listed for deletion. sadly they have yet to respond or delete the damning remarks. it is to my understanding that these errors are of violation to my consumer rights regarding my consumer reports. I need the listed account deleted so my report con properly represent me.
Consumer complaint received 2024-04-08
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. (GA)

These inquiries on my report I did not authorize. 
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 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CA)

I am still awaiting a credit balance refund I requested on XX/XX/XXXX  Company says I must wait another 3 weeks. 

1026.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Consumer complaint received 2023-12-20
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. (VA)

This is XXXX XXXX please 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 2023-04-27
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: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2023-04-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (OK)

I was sent an email on Thursday XX/XX/2023 at XXXX XXXX  with the following information detailed below : Important Notification From CashNetUSA Customer ID : XXXX Past-Due Balance : {$25.00} XXXX, We are informing you that your debt ( s ) listed below will be sold to a third-party debt buyer on XX/XX/2023 unless you contact our Collections Department to set up an acceptable payment arrangement by XX/XX/2023 at XXXX XXXX  XXXX. All payments must be received by XX/XX/2023. 

XXXX - {$25.00} Please also note that if any payments are returned or canceled and not rescheduled and received before XX/XX/2023 your debt ( s ) will be sold. 

To schedule your payment : Call us at XXXX or Email us at collections@cashnetusa.com If you have already set up your payment or believe that the information above is inaccurate, please contact us at the phone number below. 

CashNetUSA Collections Team Monday Friday XXXX XXXX XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX, Closed Sunday Phone : XXXX collections@cashnetusa.com I made a phone call to the collection phone number linked in the email. XXXX at XXXX. I spoke to a representative that verified that there was debt collection in the amount of {$25.00}. She verified my debt by looking me up in the system with my first name, last name, and last four numbers of my social security number. She informed me if I felt this was a fraudulent transaction that they would have to file a police report with me on the phone. She used this statement in an aggressive manner and as a scare tactic. I told her I had no hesitations reporting this activity to the police. But I first wanted to see the original agreement and transaction terms. I then told her that I wanted a copy of the original documentation and loan agreement. She then informed me she was not able to access that information. Then transferred me to a collections rep even though I had called the collections extension from the start. The collections representative then informed me she could not access the loan agreement or the original documents that pertained to the over due loan transaction. She told me she would have to have her manager email the information I requested. She then asked for an email address to send the information. I gave her my current email address. This email was not the original address used to email me the message listed above. She then asked if I wanted to move forward with filing a police report with them. I declined and told her not until I have the original loan agreement information in hand to verify the legitimacy of the debt collection claims. We then concluded our call and she told me as soon as a manager got her request they would email me my requested documents. I have not received the documents in any of my email mail boxes or folders.
Consumer complaint received 2023-12-20
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. (OH)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-12-20
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)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$8000.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, Experian, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, Experian, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

Ally has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from experian and XXXX ) - Monthly payment : {$860.00} ( varies from experian and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from experian and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX  has furnished to Experian for partial account # XXXX : - Ally Financial ( XXXX potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : XXXX XXXX XXXX  ( Unknown payment history ; varies from Experian and XXXX ) - Monthly payment : {$860.00} ( varies from Experian and XXXX ) - Status updated : XX/XX/XXXX ( varies from Experian and XXXX ) - Payment History start date : No Payment History being reported ( varies from Experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Consumer complaint received 2024-04-08
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)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX