davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by Experian, XXXX, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IA)

I took out an emergeny loan for {$600.00}. I have paid back more than the original {$600.00}, however I still owe {$750.00}. I attempted to try to settle the amount of remaining interest and was told because I am in good standing it is not an option. I have had XXXX unexpected surgeries this year and was on XXXX  XXXX  XXXX for XXXX  months. Im not sure how it is legal to charge this amount of interest and the company is not willing to assist. I was also told if I cancel my ACH payment my balance is due in full. An account can not be charged off prior to 180 days. I also requested a cease and desist on phone calls and was told they will still attempt to call me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, LexisNexis has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly verify, violating my privacy right, and causing harm to my reputation as well with their continued identity theft since I have never given written authorization or consent to share any of my personal information, including BANKRUPTCY to any third party in which you do not have a permissible purpose. 
Specifically, the disputed information includes : Bankruptcy Account case number XXXX Based on my review of my consumer report and the lack of any action taken to resolve my previous dispute, it is evident that LexisNexis failed to follow through with this obligation. 
Per the FCRA ( 15 U.S.C. 1681c ( a ), LexisNexis breached their Fiduciary Duty Lexis Nexis violates said section for furnishing this information on my consumer report, which was obtained illegally under false pretenses in which theyve obtained it from an online electronic system known as XXXX. ( Shown in Exhibit 2 ) Per the FCRA, this information is to be EXCLUDED FROM CONSUMER REPORTS. 
This is not a dispute, formal complaint, or request for validation or verification but a demand for compliance regarding your fiduciary duty and affirmation obligation to respect my right to privacy and to protect the security and confidentiality of the customer 's non-public personal information. 
As a result, I am requesting the following actions to remedy this violation : The immediate deletion of the disputed information from my report. 
Written confirmation that the investigation has been completed, along with the results of the investigation. 
An updated copy of my consumer report reflecting any corrections made. 

If these actions are not taken within the time frame allowed by law, I will be considering further action, seeking legal representation for damages. 
Please acknowledge receipt of this dispute and provide a written response within the time prescribed by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
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. (TN)

Upon reviewing the Master Promissory Note ( MPN ) related to my XXXX loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus. 

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ). 

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws. 

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent. 

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.
Consumer complaint received 2024-01-07
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. (MD)

That on XX/XX/XXXX  I a written notice to XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX XXXX has yet to respond to my demand
Consumer complaint received 2024-01-07
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)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I believe the account is invalid. MIDLAND CREDIT MANAGEMENT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. MIDLAND CRED XXXX
Consumer complaint received 2024-01-07
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)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 moreover 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 2024-01-07
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 have requested that Experian and XXXX review the account from XXXX XXXX the account on my credit report was reviewed and updated from Experian, Experian and XXXX show two different payment history on the accounts, I want these accounts removed, according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). this account is't promoting accuracy and fairness because it's reporting wrong and conflicting information from both credit agencies, I do intent to sue if this isn't removed from my credit report.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXXXXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2024-01-07
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. (MN)

Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this account.
Consumer complaint received 2024-01-07
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. (MN)

Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.
Consumer complaint received 2024-01-07
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. (PA)

Unauthorized charges were made to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent : XXXX  XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.
Consumer complaint received 2024-01-07
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 credit fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 602 A state i have the right to privacy 15 u.s.c 1681 section 602 A section 2 has also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-07
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)

XXXX, XXXX, and Experian are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.
Consumer complaint received 2024-01-07
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. (NY)

My information was sold and bought illegally multiple times since XXXX  to XXXX  because I was a victim of the XXXX data breach. I want XXXX XXXX XXXX XXXX XXXX account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX unknown acct number but shows on XXXX bank system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. The engagement # XXXX with XXXX were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-07
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)

the name XXXX XXXX is on alot of my personal accounts including my creditreport i nevergave permission for her to adjust my information on accounts please have her name off my personal affairs. that is my XXXX XXXX and my sibling XXXX XXXX has his unqualified son XXXX XXXX residing with her in her activities and mine. please help me resolve this matter thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-01-07
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)

XXXX, XXXX, and Experian are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, XXXX, and Experian 5 days to correct this matter.
Consumer complaint received 2024-01-07
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)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

According to 15 USC 1681 ( 5 ) it states 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 ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

This is unfair and if they are doing this to me imagine who else they are doing this too.

Please fix
Consumer complaint received 2024-01-07
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. (MD)

That on XX/XX/2023 I sent a written notice to XXXX Department XXXX XXXX XXXX opting out of credit reporting. XXXX Department XXXX XXXX XXXX has yet to respond to my demand