davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (NY)

I looked at my XXXX  credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are suppose to do this ( 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. 
And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that Equifax be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-08-20
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: Experian Information Solutions Inc. (IL)

On XX/XX/2018 I received an alert showing that an inquiry for XXXX XXXX XXXX appears on my credit report. Because I did not authorize this inquiry nor had any knowledge of it, I immediately contacted XXXX XXXX XXXX at the number listed on the inquiry ; who instructed me to file a dispute with Experian. After calling Experian, the inquiry still has not been removed from my report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is continuously reporting inaccurate addresses that belongs to someone else on my credit report. This is unfair is and causing damage to my livelihood and image. Continously reporting inaccurate and unfair information after being made aware multiple times can result in a lawsuit of a XXXX $ per fine.The following address XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX should both be removed from credit report.
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Marketplace, Inc. (TX)

On XX/XX/year>, I saw offers on my XXXX XXXX account for a personal loan. I decided to go with Prosper because I was Pre-approved. After submitting the requested information, my Social Security number included, I was Approved with a {$100.00} decrease from the initial monthly payment. As expected, I knew my credit score was going to be affected because that was the only way the lender would be able to approve me. The company could see my excellent credit score and my on-time payments. The next section was to submit a bank account information that I will like my funds to be added to. This part did NOT state that the bank had to be a specific bank with a certain amount of funds in the bank. I used a bank that I had little funds in the account and after submitting the information, I was kicked out of the site and received an email stating that my application was cancelled. I immediately called customer service and all they said was that my account is locked for 90 days and check in my messages for the reason. The reason was due to " not have accounts on my credit report opened for a long period of time. '' Along, with other reasons. However, the lender saw my credit report BEFORE I was approved. After speaking with customer service, I was only told they would submit a request to remove the hard inquiry. On XX/XX/year>, I received an email from XXXX XXXX informing to accept the offer with the EXACT amount AND monthly decrease payment Prosper APPROVED me for. I called customer service again and was left discouraged once again. I expressed my disappointment to the company and how it was misleading and made no sense why I kept receiving the offer if I was denied due to what was on my " credit reports. '' I also informed them that this will hinder my chances with other potential lenders due to the drop of my credit score. The removal will take up to 30-60 days to post, but I am in need of a personal loan now. This is my very first time seeking a personal loan I've never been so discouraged in my life. On XX/XX/year>, I received the SAME email... .accept the offer. You've been APPROVED with the EXACT amount and monthly payments
Consumer complaint received 2024-05-03
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)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Consumer complaint received 2024-05-03
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. (VA)

The XXXX XXXX 's filed by me should have been for XXXX XXXX XXXX XXXX in which I provided the EIN for each XXXX. Therefore, it should have not been entered under my SSN that has impacted me obtaining a mortgage loan, utilizing my VA XXXX that I have earned by servicing this Country and high interest rates.
Consumer complaint received 2023-07-16
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. (MN)

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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 2024-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C. (AR)

A debt collector named Love, Beal & Nixon recently was sold my debt by another creditor XXXX XXXX XXXX. The original company that this is through is XXXX XXXX  which in the contract states Binding Arbitration however this new debt collector is trying to take me to court even with knowledge of the agreement! I have also already begun payments! Arbitration agreement is on page 7 of 12 of attached documentation that I have already shared with these debt collectors.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. this account was removed from my consumer report in XXXX XXXX this account reappeared on my consumer report in XX/XX/2024. 

per 15 usc 1681i -FCRA 611 ( a ) ( 5 ) ( 8 ) ( ii ) Notice to consumer that has been deleted from a consumer 's file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency.

I have received no such notification. This is a very serious violation of the fcra, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that this account be removed from my credit report in order to avoid legal action
Consumer complaint received 2024-06-23
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

Our initial encounter at Jared was unpleasant. We were helped by a sales agent who pushed us on the 0 % APR deal, and no one at Jared noted an 18 month deadline to us ( otherwise we would not have proceeded ). We recently noticed an interest charge of $ XXXX ( on an initial charge of ~ $ XXXX ) and are extremely disappointed in them for not being transparent with us. We were still less than a month out from the date of the charge, and reached out to Comenity & Jared support teams who both stated they could do nothing to waive the charges. We were sent from one person to another, speaking to countless supervisors, with multiple hours of phone time.

The shady point of sale tactics compounded with no remorse/relief is extremely disappointing. But there is more- We have a separate dispute going on for interest charges that were wrongfully charged due to miscommunication with the Jared team. The supervisor or manager at Comenity on Friday XXXX, XX/XX/24, told us the dispute was ongoing and we would hear back by mail within 90 days so we accepted this wait period and asked the supervisor or manager if we have incurred or will soon incur more interest charges, she said, " no you are fine until next months charge ( XXXX XXXX ) ''. We attempted to pay off our entire balance several times, but the online system is not working. We finally tried again on XX/XX/24 to pay it off when we saw an additional charge of {$170.00} so we called Comenity and they did absolutely nothing. It is not okay for a supervisor or manager to tell us on the same day we spoke to her that we would not incur charges, to then be charged interest on the same exact day. We were given misleading information. Our contact with this supervisor should be noted in their system since they record calls. 

We ask that they please remove the deferred interest of $ XXXX, or at the very least, remove the new interest charge of {$170.00} as it is completely not our fault, but rather the mistakeofa Comenity team member.
Consumer complaint received 2024-05-03
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. (CA)

The XXXX loans listed on my account that's being reported by all of the three credit bureaus have been discharged. Attached to this complaint is a copy of the discharge letter which can be used as proof that these accounts should no longer be reporting on my credit report.