davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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. (PA)

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX... all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to XXXX XXXX, XXXX and Experian. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states 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.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate. 
Remove these accounts immediately : XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-02
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)

am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX - XXXX - XX/XX/year> - {$00.00}
Consumer complaint received 2024-04-10
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)

I have 12 unauthorized/fraudulent inquiries on my experian credit report from XXXX XXXX attached I have 15 unauthorized/fraudulent inquires on my XXXX credit report attached I have 20 unauthorized/fraudulent inquiries on my XXXX credit report from XXXX report attached
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-10
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)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed in my consumer report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX law these accounts on this letter must be deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-04-10
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)

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 NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  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 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

NelNet debited three payments from my checking account without my authorization. The payments totaled over {$1000.00}. I did not authorize automatic debits from my checking account. I now can not pay my rent or car payment.
Consumer complaint received 2024-04-10
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. (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  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account NumbeXXXX Account Name : XXXX  Account Number : XXXX 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 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Opportunity Financial, LLC (VA)

I called XX/XX/XXXX because it was reported to my credit. During the application it stated credit will not be pulled and use employment for verification this is false advertising. 

Also they stated I applied back in XXXX and I never did this is also fraud. 

I didnt know that until after I did my application I used another email and no one notified me. 

The email they have was compromised back in XXXX. 

They also told me they couldnt change my email without verification after they already provide the loan. Which I believe is not in compliance with regulations. 

My application on XX/XX/XXXX I used email address XXXX but they decide to use fraud information on my application instead of notifying me.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
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: EQUIFAX, INC. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX FINANCE  Account XXXX Account Name : XXXX XXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Around XX/XX/2023 Debt collection company " VANCE & HUFFMAN LLC '' placed account in collections since then company is reaaging the account and updating the balance I have disputed this account with collection agency requesting to validate this account and verify information please delete this account for falsely reporting on my report.
Consumer complaint received 2024-04-10
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)

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 XXXX 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 2024-04-10
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. (NY)

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a XXXX party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Effective XX/XX/year>, my Student Loan account balance changed and has not been posted on my credit reports. Nonetheless, all negative accounts, such as overbalance on my credit cards, are reported immediately.

This is preventing my FICO Score from increasing while I'm losing points for being overbalanced on credit cards. As a result, I can not qualify for a loan to consolidate my debt, working through becoming debt-free. In addition, I regretfully had to apply for a high-interest loan with XXXX to move a month ago.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

I am writing to file a formal complaint against Ally Financial for their failure to comply with federal regulations, resulting in late payments on my vehicle loan and unauthorized disclosure of my personal information. I believe that their actions have violated important consumer protection laws, specifically 15 U.S. Code 1666b and 15 U.S. Code 6802. 

On XX/XX/XXXX, I sent a certified letter, bearing the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, to Ally Financial, requesting the removal of late payments from my account. According to 15 U.S. Code 1666b, a creditor must adopt reasonable procedures to ensure that periodic statements, including the required information, are delivered to the consumer at least 21 days before the payment due date. Ally Financial failed to fulfill this obligation, resulting in late payments in XXXX and XXXX of XXXX. These late payments were not my fault and should not have occurred. 

Furthermore, it is important to note that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, Ally Financial, as the current holder or assignee of the contract, is responsible for adhering to all applicable laws and regulations. 

Additionally, on XX/XX/XXXX, I sent another certified letter, with the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, explicitly requesting that my personal information not be shared with any third parties, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, or XXXX. This request is in accordance with 15 U.S. Code 6802 and The Privacy Act of 1974. As a customer of Ally Financial, I have the right to control the disclosure of my personal information, and I explicitly stated my desire for it not to be shared. 

I am deeply disappointed by Ally Financial 's failure to meet their obligations under the law, both in terms of the timing of payments and the unauthorized sharing of personal information. These actions have not only caused financial harm but also infringed upon my privacy rights. I expect Ally Financial to rectify these issues promptly and take appropriate measures to prevent similar incidents in the future. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Ally Financial to ensure compliance with federal consumer protection laws. I also request that you keep me informed about the progress of this complaint and provide me with a copy of any findings or resolutions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and ensure that Ally Financial upholds its legal obligations.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am not being reviewed for a loan modification or short payoff. I have submitted multiple applications, but they have not conducted a review. SPS repeatedly asks for the same documents that I have previously provided. The dates that I submitted documents include ( but is not limited to ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

They also keep charging me unexplained and recurring fees, including a property inspection fee, but no one actually inspects the property thoroughly. The property is not visible from the street.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

I exercise my right to opt out and be forgotten in your database you have sold my data to third parties, deprived me of my right to freedom for failure to correct your reporting causing harm and for use of my name in trade privately. I demand for the CFPB to hold this company accountable and remove all reporting plus provide compensation. 

Right To Opt Out -17 CFR 248.124 - 1016.7
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NC)

I have tried for the past month to get my credit report online and it will not let me in my account at all what so ever. This is very frustrating, the questions y'all are asking me doesn't even sound like anything I should have on my report. I say none of the above and you still don't let me in my account. This is very frustrating can u email me my report or send it by mail at this point
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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)

I noticed several unauthorized/fraudulent inquires on my XXXX and XXXX and Experian report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.