davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I have tried to dispute unauthorized inquiries with Experian several time over the past few months i have had to call them in to dispute them due to not being able to due them online tried to dispute inquiries due to being done with out my authorization inquiries listed below XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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)

I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX XXXX immediately to remove this information from my credit file.
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

DATES- XX/XX/XXXX {$350.00} So basically what happened my friend sent XXXX dollars to me through his cash app and i received XXXX, i bought stocks worth of XXXX dollars and XXXX dollars got vanished from cash app and i have evidence in form of XXXX file and transaction history too.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

This company took me to court without notifying me .They were granted a judgment against me, and they froze my accounts holding my founds..I have tried numerous time to contact them, and no one answers. They are trying to collect a debt that is XXXX years old, way past my status of limitations. I have already filed a complaint through the Attorney General due to numerous complaints against these unfair practices by these same company!
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (IL)

I have a milestone credit card that I have never used and now I am being contacted by milestone stating I owe them money. For an additional card I don't have nor account information.I have a different fraudulent account and credit card NEVER USED. Doesn't make any sense, how would they allow a person to get XXXX of the same credit card? They know I'm a loyal customer so why would I get another card and mess up my credit while the card I have hasn't been used??
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX XXXXXXXX, XXXX XXXX XXXX  Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXXXXXX open account account type- auto loan balance {$37000.00} date opened XXXX XXXX XXXX XXXX closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXX Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.
Consumer complaint received 2024-01-10
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent letters to Experian, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

Was contacted on XX/XX/XXXX by Synerprise Consulting Services via text regarding an outstanding balance given to this debt collector of {$510.00}. 
I wasnt aware I had an outstanding charge and I had never received communication from the hospital regarding any outstanding balance. 
I was then contacted again on XX/XX/XXXX via another text message reminding me to pay said debt. Im not sure where this is coming from and I dont believe I owe this money.
Consumer complaint received 2024-01-10
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. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TN)

I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax requesting a correction on my credit report. I mailed it via certified mail on XX/XX/XXXX and was received on XX/XX/XXXX. I received a response letter dated XX/XX/XXXX saying that I needed to submit a copy of a driver license and my social security card as proof of identity ( the documents I included were on the list noted in the letter ). I sent a follow up letter on XX/XX/XXXX also via certified mail which they received on XX/XX/XXXX. Both letters included a copy of my driver license and my social security card for identification. Today, I received a letter saying that they can not verify my identity and to mail in a copy of my driver license and my social security card to verify it is me. I have sent the same information twice, but Equifax is not complying with my request.
Consumer complaint received 2024-01-10
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. (NC)

XXXX XXXX XXXX XXXX continues to harass me with unsolicited calls regarding an account I DO NOT OWN with them. They allegedly verified the collection account but I am yet to be provided with a SIGNED AGREEMENT for them to collect anything or report to my credit. My rights are being violated and I will be contacting the State Attorney General if not deleted.

This is pursuant to 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B 2.COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITY NATIONAL BANK (CA)

On XX/XX/XXXX we wrote check # XXXX from our City National Bank XXXX account for our XXXX  property taxes for {$9100.00}. 
XX/XX/XXXX a washed version of our # XXXX check was cashed to a XXXX XXXX XXXX for {$9100.00}. The check was very sloppy, misspelled, and his back endorsement was only written as XXXX XXXX- this check should have Never been cashed or deposited and should have been a XXXX flag to whomever was the cashier a XXXX XXXX! 

On XX/XX/XXXX XXXX  XXXX Tax sent us a letter that we are late with our payment and gave us a Late fee for {$1000.00}. We immediately called our XXXX at the XXXX XXXX, XXXX  branch and got a copy of the check and discovered it had been washed and fraudulently cashed! 

The reason that it took so long to discover is that XXXX does not give you copies of your checks any longer and this check # XXXX was marked as cashed. 

We have given XXXX all the information, filed a fraud report with XXXX and waited for over 2 months for XXXX to return our money. Please HELP. 

Sincerely, XXXX and XXXX XXXXXXXX
Consumer complaint received 2024-01-10
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)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX Experian, or the Furnisher of information to credit agencies is hereby revoked.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian are failing to uphold reasonable procedures.

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I Asked Them To Prove To Me That This Date Of Birth & Addresses Were Correct On This Credit Report. These Addresses Need To Be Remove Because They Are Non-Mailable Addresses & I Never Lived Their. 
I Dont Know Where You All Got These Addresses From But They Are Definitely In Violation Of My Privacy Rights Act Of XX/XX/1974. 

Also These Hard Inquiries Need To Be Removed They Also Are In Violation Stated In 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-03-18
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. (TN)

XXXX and Equifax are still reporting incorrect personal information on my credit report which is hurting my credit ratings. I sent in sever letters letting them know the information they are reporting is incorrect. 

XXXX Not mines : XXXX XXXX XXXX XXXX XXXX, TN XXXX Not mines : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX EMPLOYMENT INFO Incorrect : XXXX XXXX XXXX Incorrect : XXXX XXXX XXXX XXXX EQUIFAX Incorrect : XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NJ)

I was advised by a XXXX  and equifax representative to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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)

i have accounts on my report i dont recognize and hard inquiries.i believe these are fraud and ive included a idenity theft report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind. 

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. 

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-18
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. (IL)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXX-discharged Reference # XXXX XX/XX/2016
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX 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 XXXXXX/XX/XXXX