davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (AZ)

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 corrected : 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 2024-06-11
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Credit card — General-purpose credit card or charge card
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)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

I signed up four days ago ( Saturday XX/XX/XXXX ) on a computer as I had received the card with my unemployment funds. 

I tried signing in on the same browser immediately minutes after establishing an account and confirming my card. The system said I signed in from an unknown computer and I was locked out of my account for XXXX hours. 

Two days later I attempt to sign back in. The website was malfunctioning. The app was malfunctioning. I couldn't access the login screen. 

I attempting to sign in through three separate computers, and three separate browsers. All failed. 

I tried signing in on an android app, and an apple/iPhone app. All failed. 

The login portal finally loaded after five hours but has been refusing my login credentials. It claims they are wrong. 

I have spent XXXX hours over four days resetting passwords, confirming username etc. Nobody is able to grant me access to my account. They file " internal tickets '', they file " supervisor callbacks '', which all mysteriously go missing in their system. 

I tried using the automated phone system to withdraw money. It will not allow me to do so. It claims errors. 

I tried withdrawing money through an approved atm, it refuses the amount and says it's too large even though it's under the described allowed limit ( {$600.00} ). Their customer services says their is no trace of me attempting withdraws. 

The whole system has me locked out. Nobody is able to help after spending four days trying to get it resolved. My money is being held hostage by money networks.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MN)

Hello! My student loan was forgiven in XXXX or XX/XX/year>. I've been monitoring my credit score since then, and it has not changed -- it still shows the balance, XXXX  months later. My service provider was MOHELA, and I realize there have been many problems with them along these longs. But I'm hoping you can still help me. Thank you!
Consumer complaint received 2024-04-25
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)

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.

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 2023-08-29
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. (IL)

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. The dates shown on my credit report for this account are not accurate. The date last reported for TransUnion shows XX/XX/2023, XX/XX/2023 for XXXX, and XX/XX/2023 for XXXX. Last payment dates for Transunion are XX/XX/2023, XXXX XX/XX/2023, and for XXXX XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, TransUnion shows the account as closed, while XXXX and XXXX shows the account as paid. 

Account name : 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

I recently discovered that my personal information was unlawfully used to rent property in my name without authorization. Furthermore, multiple unauthorized credit card inquiries were made using my identity. These fraudulent activities have not only caused financial distress but also compromised my privacy and security. I have taken immediate steps to report this identity theft to the relevant authorities and have contacted the affected institutions to address these unauthorized actions. 
southwest recovery ser XX/XX/XXXX {$47000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2023-08-29
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: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

The company, Credence Resource Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Consumer complaint received 2024-04-25
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. (NY)

I am writing to file a formal complaint against Experian regarding their persistent failure to resolve disputes within the legally mandated timeframe, as well as the ongoing inaccuracies in the reporting of my credit information, specifically regarding the XXXX XXXXXXXX Account number # XXXX. 

Despite repeated attempts to resolve discrepancies in my credit report, Experian has consistently exceeded the 30-day window required by law to investigate and address these disputes. This prolonged delay has had severe repercussions on my financial well-being and has undermined my trust in Experian 's ability to accurately report my credit information. 

Furthermore, I am disputing the inconsistencies and inaccuracies in the reporting of the XXXX XXXXXXXX account number XXXX. Experian 's failure to accurately reflect my payment history, particularly regarding timely payments made in XX/XX/2021, has resulted in discrepancies across the three major credit bureaus. While XXXX reported timely payments for this period, Experian and XXXX have failed to provide any records, raising serious concerns about the accuracy and reliability of Experian 's reporting. 

I demand an immediate escalation of this matter and a thorough investigation into all issues related to the XXXX XXXXXXXX account. Experian must provide documented proof of any late payments and take immediate steps to rectify the inaccuracies in my credit report. Furthermore, I demand the removal of the XXXX XXXXXXXX account from my consumer report, as it is clear that Experian 's reporting has been grossly inaccurate and detrimental to my financial standing I expect a swift and comprehensive response to this complaint, outlining the steps Experian will take to address these issues and ensure the accuracy of my credit report moving forward. Failure to do so will result in further action, including legal recourse if necessary. 


Attached is documents of my previous dispute that was not addressed nor resolved in 30 days, proof of my identity and the inconsistencies that XXXX XXXX has been reporting on my credit report
Consumer complaint received 2023-09-20
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)

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX  ACCT # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )
Consumer complaint received 2024-04-25
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)

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.

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 2024-04-25
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. (NC)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I would like to add to my open complaint XXXX Evidence - that XXXX XXXX  ( you can not call this a banker ) admitted that he sees my account - that the " staff '' at Capital One uses voice changers ( you need a software to hear the real voices ) Here 's an example : XXXX XXXX XXXX I have more calls to share. A live-stream where I also called XXXX XXXX  and the FDIC. Let me know if you want to hear it. A Capital One XXXX admits on the record that they see my account. 

You can clearly hear that they are aware of the theft. 

Over XXXX Million USD are on my XXXX account, mostly from an inheritance from the XXXX family. That's the maiden name of my mother. 

More details on the coordinated murder attempt by this group of mass murderers who calls themselves " XXXX '' here : XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (DE)

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted Chrysler corporation and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted Chrysler Corporation. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted Chrysler corporation and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, XXXX and XXXX the last time that I disputed it Chrysler Corporation updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX. in XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX Chrysler and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX in XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.