davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

There is a charge off on my credit report from NMAC Whenever a company list an account as a charge off on your credit report theyre claiming that theyve ran off the balance as a total loss so now they have to report to the IRS & send me a 1099 for the balance that they wrote off that they say I owe So being that the account is ran as a charge off, but I never received any of the1099 cancellation of debt form the account is inaccurate and has to be removed
Consumer complaint received 2024-05-28
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 recently signed up for Experian this year and I seen that there was accounts currently on my report I have no clue or idea how it was on my report. Ive been enlisted in the XXXX for XXXX  months as well so I just was able to start seeing what was credit and how to use it.
Consumer complaint received 2024-05-28
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)

Ive reached out to Experian, XXXX XXXX and XXXX and ask them to remove addresses that were not mine to remove credit cards that were opened with those addresses and to remove inquiries that were put on my credit report with those addresses and it keeps on being denied.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

I was selling items on XXXX which the payments were processed through PayPal. Upon the completion of the sales, I purchase the shipping label from XXXX and send the items out to the customer. Some of the items were digital items so there was no tracking number as these were sent to the customer through XXXX 's messaging system. Upon making several sales in a few days, PayPal locked my account and asked for more information about what the money that was incoming was for. I provided descriptions of the items sold, showed proof of receipt of me obtaining said items, and provided photo identification of myself. After providing this information, PayPal locked my account and said they are going to hold my money for 6 months. This is very unfair for them to lock my money up for such a long period of time for items that I have shown that I obtained and proof that the item was delivered to the customer. 

Items that have been delivered and confirmed by the shipping information, are still locked and I am unable to access my money. This puts me out of the funds for 6 months on items that I already paid for and I will now be unable to use that money for bills that I owe.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to Equifax, XXXX, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I applied for a Best Buy credit card, I was told to go into a store to complete my application. After I showed my Drivers License and answered some security questions they told me they could not verify my identity and wait for a letter in the mail. 

The letter in the mail said they could not verify my identity and to call a phone number. 
After calling the toll free number I was directed to go into the store to get my credit card. 

After going to Best Buy a second time I repeated the same process and I was again told to wait on a letter in the mail. 

The letter in the mail said the same thing, I called the number and was told to go inside the store again and repeat the same process.
Consumer complaint received 2024-05-28
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)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am following up on a prior complaint I filed against the credit bureaus for failing to investigate my dispute regarding inaccurate information on my credit report. I filed a complaint XX/XX/2024 and they said I didn't send enough information. Though I have already sent them copies of my license, social security card and a recent proof of address I sent it again wit my most recent dispute and they failed to investigate and respond within 30 days. The bureaus nor the furnishers have done what the law states and correct or delete the inaccurate information. I am currently weighing further legal options because they have not done their jobs while violating the law and it is causing me a great deal of harm and stress.
Consumer complaint received 2024-05-28
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently I looked at my credit report, and I noticed one of my accounts reporting some inaccuracies. This account is reporting a late payment for XX/XX/XXXX. This account is also reporting closed for XXXX, but paid for Experian, and XXXX. This account was also never late. This account is also reporting different dates for date opened XX/XX/XXXX XXXX, and XX/XX/XXXX Experian and XXXX. On Experian this account is reporting 30 days late, but on XXXX and XXXX this account is current. Date last reported is also showing 3 different dates XX/XX/XXXX XXXX, XX/XX/XXXX Experian, and XXXX XX/XX/XXXX. Date of last payment is showing two different dates XX/XX/XXXX XXXX, and XX/XX/XXXX Experian. According to 15 U.S. Code 1666b, this unauthorized late payment must be removed and updated. This late payment and these inaccuracies violates my consumer rights. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Ive sent multiple letters & disputes to Experian to correct my credit report as they are still reporting inaccurate information from creditors on my report. They refuse to conduct a proper investigation & provide me with their methodology. Ive disputed items with letters directly from creditors to assist me however Experian refuses to take in account or conduct a proper investigation. I have been a victim of identity theft & they will not help me.
Consumer complaint received 2024-05-28
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)

I sent dispute letters to Experian, XXXX, and XXXX disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by Experian, XXXX, and XXXX. I have not received a response from Experian, XXXX, and XXXX as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.
Consumer complaint received 2024-05-27
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. (IL)

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from Opportunity Financial. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company.

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The item costed {$120.00} it was from XXXX XXXX. I started the dispute on the XXXX of XXXX of this year. I contacted XXXX XXXX multiple times and no help. I dispute it. I lose it because as they say I never contacted them when there is clear proof In my emails where I have of XXXX XXXX saying pls rate our customer service I did contact them and they lied about to the bank.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/XXXX the account for LVNV Funding LLC was closed but not removed for inaccurate reporting then updated as closed but still reporting which is against my consumers rights. I have never had an account with this company not given this company my information. I have tried to contact this company with no prevail. The balance for {$11000.00} is not mine nor the is the balance for {$4600.00}. I responded to this company in the dates of XX/XX/XXXX and XX/XX/XXXX. The the last day to respond was XX/XX/XXXX. I responded within the time frame that was required with no answer both times. The account is closed but still information that is inaccurate and also this account is not mine. There is no original creditor to verify this information.
Consumer complaint received 2024-07-10
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The XXXX says that you have to investigate. Im asking you to do that. 

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm XXXX a lot of XXXX because of these mistakes. This situation is XXXX me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (TX)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2024-05-27
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (SC)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.