davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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 have received notification back from the XXXX XXXXXXXX. They informed me that they do not provide Information to third parties, and that Under the Privacy Law of 1974 and the opt out Law states that any authorization that they believe that there is no longer and it needs to be removed Immediately. I did not consent nor give permission. If they said i did i do opt out. This was XXXX on XXXX XXXX.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (OH)

I disputed the charges twice as they are not related to us. However, it has created negative effects so I paid the debt directly to XXXX XXXX. This debt was settled with XXXX XXXX and Bull City Financial is still trying to collect the debt. The payment confirmation numbers are XXXX and XXXX. 

Bull City Financial Solutions refuses to accept the debt is paid. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-06-22
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. (CA)

My Credit File was infested with inaccurate and fraudulent accounts and information being reported without ny authority nor knowledge. I am submitting this Complaint to reqest that the Credit Reporting Agencies remove the disputed accounts and information off of my Credit file, in accordance with the Fair Credit reporting act section 605b. Any and all fraudulent items should be rmeoved from my Credit file. Please remove the following items off of my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. These items have no rights to be reported on my Credit File, and I need the Credit Reporting Agencies to remove these items as efficient as possible.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

These companies are reporting fraudulent inaccurate information on my credit report. 

XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-03-22
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: Consumer Adjustment Company Incorporated (CA)

When I first found out that Consumer Adjustment was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed XXXX  that they were in violation due to the reinsertion. XXXX was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my XXXX report ; and once again after sending another request for validation they removed. 

To my surprise, Consumer Adjustment has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! XXXX is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that Consumer Adjustment was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (NJ)

I received two notifications from XXXX stating I received money to be sent to XXXX XXXX XXXX. I closed my XXXX XXXX XXXX  back in XXXX and have no accounts there. My email should be linked with XXXX and XXXX XXXX ; however, payments continue to get routed to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX regarding this and they stated it's a XXXX issue and to contact them and were not courteous or helpful beyond " you have no accounts here currently ''.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (NY)

I have sent two notices to this company. Per 15 USC 6802, I as the federally protected consumer have opted out of all communication with this company. I never contracted with this company. They have obtained personal information and invaded my rights per the Privacy Act of 1974.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

My ex-wife open to credit card in Iowa under my name I have lived in Florida my entire life I have shown this debt collector bank statements from charges in Florida made on the exact same days that charges were made in Iowa I have proved I have never lived in Iowa but my ex-wife did I have also given them order from a judge stating the debt is not mine and that the debt is signed to my ex-wife and they still refuse to remove my name from it or remove it from my credit report until I pay it off
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-05
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)

FCRA, 15 USC 1602 ( J ) 15 USC 1602 ( k ) 15 USC 1666 ( b ) 15 1602 ( p ) these law were broke and created hardship snd stress and then XXXX was being unreasonable to comply and feuds to verify me and inaccurate spelling of my reported
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
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. (CO)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00}
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (IL)

You have acknowledged that this account belongs to you from Great Lakes higher education you have not complied with 15 is code 6801 15 us code 6802 15 us code 1681a
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (AZ)

I told XXXX, XXXX, and Equifax to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/XXXX Aargon Collection Agency ( Account # :XXXX  XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, NV XXXX Re : Dispute of Unauthorized Access and Removal of XXXX  Due To HIPPA VIOLATIONS Dear Aargon Collection Agency ( Account # : XXXX ), I am writing to formally dispute the unauthorized access, use, and disclosure of my personal and medical information by your institution, which I believe is in violation of multiple federal laws intended to safeguard my privacy. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), my health information is protected and should not be disclosed without my express consent or knowledge. Similarly, the Privacy Act of 1974 ( 5 U.S. Code 552a ) restricts federal agencies from disclosing personal data without appropriate permissions. I have neither granted your institution nor any third-party the authority to access, use, or disclose this information. 
In terms of financial information, 12 CFR 1016.4 of the Gramm-Leach-Bliley Act ( GLBA ) mandates the issuance of initial privacy notices detailing your institution 's policies and practices around the sharing of nonpublic personal information. Concurrently, 15 U.S. Code 6802 of the GLBA prohibits financial institutions from disclosing such information to non-affiliated third parties unless the consumer is provided a clear notice and an opportunity to opt out, neither of which I received. 
Moreover, the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 articulates that it may be unlawful for Credit Reporting Agencies ( CRAs ) to release my credit report information without a permissible purpose. At no point did I grant consent for any CRA or furnisher to view or release my personal information. 
Furthermore, I wish to formally state that I decline your invitation to do business with your institution. Consequently, I request the immediate removal of your tradeline from my credit report. 
To address this situation, I expect : 1. A swift investigation into the unauthorized access and disclosure of my information. 
2. A written statement detailing the findings of this investigation. 

3. Immediate rectification or removal of any unauthorized disclosures or inaccuracies related to my personal and medical information on your records, including the removal of the aforementioned tradeline. 
4. Assurance that such unauthorized access or disclosures will not reoccur in the future. 
Should these concerns not be addressed to my satisfaction, I am prepared to take legal action to protect my rights. I anticipate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

I have Navient student loans that are private but showing up as federal debits on a XXXX system used by the bank to approve an FHA mortgage. Now I can not get a home loan because of these debts.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.