davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. is obligated by the FCRA to report accurate accounting. EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( 1 ) ( A ) ( B ). 

EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. FTC fraud report will be filed on behalf of consumer, consumer is now requesting EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX  XXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an e-oscar report. If EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

EXPERIAN, XXXX, and XXXX ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST EXPERIAN, XXXX, and XXXX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. EXPERIAN, XXXX, and XXXX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE US CONSTITUTION.
Consumer complaint received 2023-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P. (MD)

On XX/XX/XXXX, I got an email saying I had a change to my credit score. I logged in to find my score had gone down some 90 points due to a new debt on my report. Some company called Paramount Recovery Systems based out of XXXX, Texas. I never received any direct correspondence from them. No phone calls, no letters, no email, nothing. I had to look them up and call them. After speaking to them briefly, I decided to call the hospital in which this debt seems to be for. I had some confusion a year and a half ago over a radiology bill from an ER visit in XXXX of XXXX, and I was able to get it taken care of through the help of the hospital and the Department of Veterans Affairs, which I have my health insurance through. I spoke with the hospital 2 days later, around XX/XX/XXXX, and they informed me that I do not have any outstanding debts with them. I further followed up with the Radiology billing department that is separate from the ER billing, and I asked what debt collection agencies they go through. Paramount Recovery is not one of them. They have never heard of Paramount Recovery Systems, and also told me they have not sent anything out to collect a debt from me. I called this suspicious debt collector back and informed them what the hospital said. The lady I spoke to was extraordinarily rude, and insisted I did not know what I was talking about. I asked her, " Ma'am, how do you know more about the hospitals billing than the hospital? You're based out of Texas, I am here in Maryland? '' Her response was " I've been doing this for 20 years, I know what I am talking about ''. Upon checking their reviews on XXXX, Paramount Recovery has XXXX stars and many folks who have similar stories to mine. This seems to me like a clear scam, and I am in the process of disputing this with the major credit bureaus so I can get my score fixed.
Consumer complaint received 2024-05-20
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)

I am a victim of fraudulent information reporting and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Consumer complaint received 2024-05-20
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. (WI)

I have repeatedly for over a couple of years trying to get these inquiries and hard inquiries off my credit report and they have not and I have paperwork showing so I will send the documents through the document area where I have done this
Consumer complaint received 2024-05-20
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. (SC)

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Consumer complaint received 2024-05-20
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-09
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)

I have a bankruptcy that i have disputed for almost 2yrs. I have asked for verification/validation of this and the bureau has yet to respond with the information. It is incorrect information and they are still reporting the inaccurate information with no proof of whom they spoke with and the phone number of said person as well as the Date and Time they spoke with them So that i can follow up with that person on this matter.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (OH)

I had an account with XXXX  XXXX XXXX I had money issues due the economic collapse of the real estate market last spring. I contracted XXXX on XX/XX/2022 to pay off my account. They told me they submitted the account to XXXX XXXX XXXX, a collection agency. I had not received any notification from XXXX and I was out of the state as well. XXXX gave me their information. I called XXXX and made the full payment with my check card. They told me my account would be updated on my credit report. It never has been. XXXX continues to update it as debt owed for the full balance that I paid, it is a bad debt. I have disputed this with the credit bureaus numerous times over this past year. Now that I'm looking to move XXXX miles away, I am being denied an apartment due to this appearing incorrectly as a charge off unpaid on my credit report. I have tried to dispute it through their credit reporting company and it is coming back the same way.
Consumer complaint received 2019-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2024-04-25
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-20
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)

Here 's a memo to the Consumer Financial Protection Bureau ( CFPB ) disputing the inaccurate late payment information on your credit report : -- - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX [ Email Address ] [ Phone Number ] **XXXX  XXXX, XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by the XXXX major credit bureausXXXX, Experian, and XXXX  my XXXX  account ( Account # : XXXX ) XXXX 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **Experian** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **XXXX** XXXX Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$1800.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct the credit bureaus to remove the incorrect late payment information from my credit reports. I have maintained current payments as indicated by the " Current '' status in all other areas of my account details, and the reported late payments are erroneous. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FINCL XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been incorrectly associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-05-20
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. (IL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (HI)

I lost access to the accounts and phone numbers that are the login credentials. After repeated attempts to access the account with the help of customer service i was told that access to the account or the funds would not be possible and they could provide no further information. The irs direct deposited XXXX dollars in the account in question and i need to access it.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

XXXX 's XXXX XXXX defines a '' pending '' charge as an accusation or allegation of criminal wrongdoing that has been filed by a prosecuting authority but has not yet been resolved by a final judgment or disposition. It refers to a criminal charge that is still pending before a court and has not been adjudicated or dismissed. 

When a charge is pending, it means that formal legal proceedings have been initiated against an individual, but a final determination of guilt or innocence has not been reached. The accused person is considered innocent until proven guilty in a court of law. During the pending charge phase, the accused may go through various stages of the criminal justice process, including arraignment, pre-trial hearings, and potentially a trial.
Consumer complaint received 2023-08-28
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. (GA)

Accordance in with the Fair Credit Reporting Act below are accounts that have been violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years. 

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information. 


Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days
Consumer complaint received 2024-05-20
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. (SC)

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


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.