davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
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. (VA)

My credit repair specialist has sent in multiple documents to Experian, XXXX, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and The XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of Experian, XXXX and XXXX about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXXXXXX XXXX XXXXXXXX, Virginia, XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : 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 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
Consumer complaint received 2024-05-31
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-10-29
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. (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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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)

ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100 % accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.
Consumer complaint received 2023-10-29
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. (CA)

Experian is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, Experin has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if experian does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2023-08-27
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. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-25
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)

Experian has been reporting income on my consumer file as debt. IRS defines any charge off account from a creditor on a consumer file is income 1099c. I have asked for all documentation regarding this matter and Experian has stated been verifed. I never asked for any verification I asked for documentation of any transactions, contracts or permisable purpose that gave Experian any authority to act on behalf.if any information has been verified the company failed to provide me with the sworn statement of verification. Experian is the only consumer reporting agency this is reporting the following information XXXX XXXX XXXX XXXX XXXX accounts {$5300.00}, {$19000.00}, {>= $1,000,000}, {$8900.00}. XXXX XXXX XXXX XXXX {$2500.00}, Bankruptcy, US Dept Ed late payment. This is clearly a violation of my FCRA, FDPC and ECOA rights. I have highlighted all of the information that Experian has been reporting. Per consumer law all information is suppose to be accurate on the consumers file. Experian is not a credit bureau the company merely assumed the roll of have consumers information and this is a disgrace to report inaccurate information.
Consumer complaint received 2023-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (TN)

I have not been receiving bills or any communication from Aidvantage, despite payments restarting in XXXX. I have spoken with 4 or 5 Aidvantage employees over the last 3 months and all have told me to expect paper bills in the mail because that was what my account was set to, but I have not received them. Because of this, either Aidvantage or the Department of Education placed me in an administrative forbearance from XXXX through XXXX with my first payment due in XXXX. During this time, I was told that no payments would be due. 

On XX/XX/XXXX, I received an email from Aidvantage stating my loans terms had changed and that my first payment in the amount of {$95.00} was due on XXXX That email is attached to this complaint. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX at XXXX. That call was disconnected unexpectedly, so I called back and spoke with XXXX XXXX at around XXXXXXXX XXXX XXXXXXXX confirmed that I " should '' be receiving paper bills in the mail, but she had no clue why I wasn't receiving them. She said that I should not be receiving any email communications because my account was not set up for it. She also confirmed that I had been in an administrative forbearance that was ending in XXXX and she confirmed my first bill in the amount of {$95.00} was due by XX/XX/XXXX 

On XX/XX/XXXX, I received an email statement from Aidvantage in the amount of {$190.00} due on XX/XX/. This is twice my monthly bill amount. I logged on an saw that my account currently shows a past due amount of {$95.00} in addition to the regular monthly payment of {$95.00}. I have attached this erroneous email to this complaint. 

It is not possible for me to have a past due amount - someone placed me in an administrative forbearance from XXXX during which time no payments were due. I confirmed this on or around XX/XX/XXXX when I logged in and it showed {$0.00} due by XX/XX/. I have also not received any bills and several Aidvantage employees, including my most recent conversation with XXXX XXXX, said that I would receive a bill before my first payment was due in XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/year>, I noticed unauthorized credit inquiries on my credit report from SYNCB AMAZON XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Consumer complaint received 2024-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I enrolled online in BOA auto payment. I signed up to pay the monthly minimum but not to exceed {$300.00} with any one payment. My monthly payment amount was around {$150.00}. BOA did NOT withdraw payment because the $ 300 MONTHLY PAYMENT amount I set was not sufficient to pay THE ENTIRE BALANCE!!! They said, " this e-Bill wasn't paid because the amount due exceeds the maximum amount you set for AutoPay. '' This happened twice and resulted in a XXXX point drop in my credit score. After contacting them repeatedly they CLAIM they have re-enrolled my in aoutpay but there is NO indication of this on my online account and they ARE LYING!!!!. THEY ARE A PREDATORY BANK LOOKING TO CHARGE UNWARRANTED LATE FEES AND PENALTIES
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I previously filed a complaint against Experian XX/XX/2023 disputing the accuracy of the tradelines and the information provided on each tradeline on my credit report. Experian closed my complaint # XXXX attached stating the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information.
Consumer complaint received 2024-05-05
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. (IL)

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Once your investigation and necessary corrections are complete, I kindly request an updated credit report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : Experian, XXXX, and XXXX. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws. 

The discrepancies in reporting are as follows : Experian : XXXX XXXX XXXX XXXX  account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - Account closed in XX/XX/XXXX XXXX : - XXXX XXXX XXXX  account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX XXXX XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 90 days late in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 60 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports. 

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES.

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained.

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.
Consumer complaint received 2024-07-04
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. (MA)

There are several accounts on my credit report that do not belong to me. This information was stolen and used without my consent while I was incarcerated and in rehab. I have submitted reports from the FCRA and identity theft affidavits explaining that I did not authorize the opening of these accounts and they should be removed immediately as they are fraudulent. While only some information was removed the other remains.
Consumer complaint received 2024-05-04
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.