davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (NY)

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. 




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX   XX/XX/2023 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 XXXX 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 2024-04-29
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: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (FL)

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 2024-04-29
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. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-29
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)

PLEASE BLOCK AND REMOVE Please promptly address the removal of the unauthorized inquiries from my credit report, as they were not approved by me and are causing substantial distress. I did not initiate or authorize these accounts, and it is unjust for me to be held liable. I urge you to take immediate action to resolve this matter.
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-29
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. (NJ)

My information was disclosed to a third party without my permissible purpose!

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/22 - opened a fraudulent application with Capital One XX/XX/22- received a letter saying my application was denied XX/XX/22 - called Capital One and requested statements associated with the fraudulent card and reopened investigation giving them the potential person I thought it could have been to open the card under my name.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (LA)

i opened a checking account with Citi bank. a few weeks later the blocked the account and put it under investigation. This could've happened in XXXX XXXX. They said my account will be closed in 60 days and that whatever balance I had with them they will mail a check. well now it's XX/XX/XXXX, and the account was not closed yet. after so many attempts to call them and close it im just leaving it up to the cfpb now. I don't remember my debit card number or account number with them but they can access my account with my SSN number which is XXXX... hopefully, this could finally get the account closed and my funds sent out to me
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (KS)

Collection company has been calling to collect a debt that we never owed. The loan was in my maiden name, years after I was married, to an account that had been closed 4 years prior. I contacted them back and requested information of where the loan originated. After being hung up on multiple times, we find out it was from a payday loan service XXXX We verified the email address hadn't been used since XXXX, and contacted the bank that the loan amount was deposited into. The account itself had been paid in full and closed since XXXX. This company is saying the loan was deposited into an account that had been closed 4 years on XX/XX/XXXX. We contacted back the collection company and explained how these dates didn't make sense, and that the birthday was in XXXX, I am XXXX. After raising these concerns that this was obviously fraud, the company said they would " investigate it. '' After several more calls and being hung up on multiple times, I was told they had already closed the account due to fraud. They are unwilling to help find where the loan originated from, and seem hellbent on protecting people who defraud the system and other people. Without being able to verify anything with TheNorthTrust.com, as the address is a home in Delaware, this almost seems like an internal phishing scheme, possibly on this debt collector 's behalf.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE.

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU.
Consumer complaint received 2024-01-20
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. (AR)

I checked my credit report on XXXX  and I noticed a Public Record from a XXXX XXXX  Bankruptcy on XX/XX/XXXX still reporting on TransUnion and XXXX. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but Transunion and XXXX failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2024-06-15
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-29
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. (CT)

I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-20
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. (CA)

My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted 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 appreciate it. Thank You
Consumer complaint received 2024-04-29
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 strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AZ)

On XX/XX/23, used the way2go card app to locate ATM. Per cardholder agreement with state, there are no-fee withdrawal at XXXX ATMs XXXX Locator showed ATM inside the XXXX store that has also been used on XXXX other occasions with same card. After withdrawal of unemployment funds, see fee for XXXX cents. I contact the customer service number advise charged when shouldn't be and referenced the cardholder agreement and app locator. Told they would reverse fee. Now in XXXX week still not fixed and now unable to access funds as their network of ATMs has min withdrawal of {$20.00} however fee leaves balance as XXXX. Call customer service again told nothing they can do its pending. When asked how supposed to access my funds when they are in violation of cardholder agreement, get told can always use teller, for which there is am additional fee.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is reporting in accurate information on my consumer report. I submitted a request to have several inaccurate accounts deleted From my consumer report. XXXX  XXXX is showing a charge-off but showing a balance due. XXXX XXXX XXXX is showing as a charge off and closed account and it is past the law required reporting date. XXXX XXXXXXXX XXXX is showing closed and is past the required reporting dae. XXXX. XXXX XXXXXXXX XXXX XXXX is showing closed and as a charge off also showing a balance due. XXXX. XXXX XXXX is showing two late payments. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time.
Consumer complaint received 2024-04-29
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-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 2024-04-29
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 2024-04-29
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)

When checking my credit report with Experian they have name 's that I have never used or gone by a last name I have never used or gone by an old cell phone number that hasn't been activated in over XXXX years they have duplicate addresses and incorrect address I tried to change it and it will not allow me too