davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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 am writing to file a formal complaint against the credit agenciesXXXX Experian, and XXXX their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/year>, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/year>, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is six years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by XXXX, Experian, and XXXX, I have been unjustly denied access to credit opportunities for the past three years. This includes the inability to secure financing for purchasing a XXXX XXXX XXXX XXXX, causing significant XXXX XXXX and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that XXXX, Experian, and XXXX immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold XXXX, Experian, and XXXX accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to rectify an inaccurate late open account listed on my credit report. Despite my persistent efforts, this discrepancy continues to have an adverse impact on my creditworthiness. I am writing this letter to bring this issue to your attention and request a swift resolution. I initially submitted a dispute regarding the inaccuracies associated with the late open account, DEPT OF EDXXXX. I provided all pertinent documentation to support my claim. I filed a second dispute concerning the inaccuracies associated with the same late open account, DEPT OF EDXXXX. I included supporting evidence to substantiate my dispute. 
I am fully aware of the critical importance of accurate credit reporting, as it significantly influences my ability to access various financial services and opportunities. The continued presence of this incorrect late open account on my credit report has caused substantial financial harm, including higher interest rates and difficulties in securing credit. 

I kindly request that your bureau takes immediate action to conduct a thorough investigation and correct the inaccurate late open account, DEPT OF EDXXXX, from my credit report. Additionally, I urge you to provide me with a written explanation outlining the steps taken to rectify this inaccuracy, along with a timeline for its correction. Clarity regarding this process is essential for me to understand when the issue will be resolved. 

Should this inaccuracy persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This DEPT OF EDXXXX XXXX XXXXXX/XX/2018 Balance : {$68000.00} should be corrected right away by Equifax and XXXX Credit Bureaus .
Consumer complaint received 2023-08-28
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)

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not XXXX, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! Experian has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Writing a complaint towards Creditor XXXX XXXX regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau . 

XXXX XXXX has violated my consumer laws below 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) 2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Use of false, misleading, misrepresentation, and deceptive means 4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency under violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I have send previous dispute letters to resolve the issues, longer than 90 days previously as well and still to resolution.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

Hi there, I opened a new checking account with Wells Fargo on XX/XX/23. I XXXX {$25.00} from my account at XXXX XXXX to Wells Fargo for initial deposit. Today my Wells Fargo account receive my payroll, so I sent XXXX {$300.00} back to my XXXX XXXX. When I was on XXXX on Wells Fargo app, I selected " Send '' and my name came up. I thought Wells Fargo XXXX recognized my profile from receiving my money last time, so I selected my name without noticing that the last 4 digits of the tel number is one digit off. After a few minutes I checked my account at XXXX XXXX and was concerned because I did not receive money. I went back to my Wells Fargo account on the app and noticed that the last 4 digits of tel number is off and saw the name " XXXX '' was the person who enrolled with XXXX using my name. I called Wells Fargo to dispute. They started investigation and told me that they will let me know the result in 10 business days. I truly believe that Wells Fargo XXXX function are being compromised. My account is only 3 days old and someone has an ability to compromise my name using tel number exactly almost my number but just one digit off to create a profile using my name. I did call this person and got a voicemail with the name XXXX but she did not respond and sent me money back. I attached a snapshot from Wells Fargo XXXX for your information. Note : My name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation (AZ)

I got a hard inquiry from Onemain Financial today that was not requested and their records show no inquiry but my credit score dropped XXXX points and shows a hard inquiry from them on XXXX XXXX.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached files with my ID. I received a copy of my credit report and I am disputing Inquiries that need to be deleted. I have listed the Inquiry, and the date it was furnished below. 

1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove the inquiries from my account.
Consumer complaint received 2024-07-24
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. (MI)

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit report : XXXX XXXX {$0.00} XXXX remove acct XXXX  XXXX {$0.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX XXXX {$1300.00} XXXX remove acct XXXX XXXX Bankruptcy {$0.00} XXXX remove acct
Consumer complaint received 2024-04-30
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)

Consumer asked company to remove inaccurate reporting, transaction history reported, and any charge offs ( As per IRS guidelines, a charge-off is classified as a certificate of indebtedness, making it income and subject to removal from records. )
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

My loan is on a repayment plan based on my income, Mohela never reports correctly they are reporting Im late on every payment but my payment is XXXX $ they are affecting my credit score weekly its consistently saying I owe XXXX but then theyre reporting me late every month sometimes more than once a month. The information is never the same from them Ive been at it with them since XX/XX/2023 2023
Consumer complaint received 2024-01-03
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. (KY)

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. 

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my EXPERIAN consumer report on XX/XX/2023 without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v.

Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/2023 to XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-02
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)

This account was charged off XX/XX/year>. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXX XXXX XXXXXXXX, Account number XXXX
Consumer complaint received 2024-04-30
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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)

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines XXXX is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports