davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX ( Account number unknown ), XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than XXXX years. 15 USC 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 2024-05-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I've noticed some unauthorized hard inquiries on my Experian credit report that I don't authorize. According to FCRA these unauthorized and unverified inquiries must be removed. The two inquiries that I have noticed are XXXX XXXX NA XX/XX/2024, and XXXX XXXX XX/XX/2024.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I received a {$250.00} Vanilla Visa gift card for my birthday from my dad in XXXX XXXX. I went to open it on XX/XX/XXXX and some of the card numbers on the front were missing - I called customer service to get my full card details. 

I was informed by customer service that my card had been used at XXXX and XXXX and had a XXXX balance. I have never shopped at XXXX XXXX in my life. 

The customer service agent was rude and told me I would have to wait up to 90 days for an investigation. I JUST opened my card to use it for a purchase, and now I have no card. 

They took my information and told me they would contact me. They sent me an email with my name and address incorrectly detailed. My Case : XXXX
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.
Consumer complaint received 2024-05-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-17
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-06-08
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (IL)

I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
Consumer complaint received 2023-04-21
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. (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. 

Account Name : XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 or 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) and ( XX/XX/2024 ) XXXX XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Consumer complaint received 2023-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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 2024-05-18
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: Experian Information Solutions Inc. (MI)

I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Payment Status : Late 30 Days XXXX XXXX XXXXXXXX Payment Status : Late 30 Days XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Payment Status : Late 90 Days XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$110000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$5000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} U S DEPT OF ED/XXXX XXXX Balance Owed : {$7700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2300.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1700.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$3700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$8200.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$10000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2700.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX OF XXXX XXXX Balance Owed : {$2100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX
Consumer complaint received 2024-05-18
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) shows 90 days late Experian shows 120 Days late ( XX/XX/XXXX ) both and reporting inaccurately XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX these inaccuracies in reporting are violating my rights.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (AZ)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

To whom it may concern : I, XXXX XXXX XXXX has never done business with the accounts listed below. These account are being reported to my credit report ( all three ) an i cant even buy a car. I have tried to contact them and i get no where. I have all the details about the account that is being reported to my credit, but again I never done business with any of these account, so I don't have all the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 
LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  - XXXX {$390.00} XXXX XXXX XXXX XXXX {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (TX)

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/ NEVER LATE and send me a copy of my updated credit report.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (NC)

I am requesting forgiveness of my student loan in the amount of {$88000.00}. I am currently facing significant financial hardship that has made it impossible for me to repay this debt, and I would like to explain my situation in detail. 
Due to my low XXXX XXXX, I have been unable to obtain higher-paying jobs that would allow me to manage my loan payments effectively. Furthermore, I am not eligible to return to graduate school at XXXXXXXX XXXX to improve my academic record and career prospects, as my XXXX XXXX does not meet their graduate admission requirements. 
With the current cost of living and an annual salary of {$40000.00}, I am struggling to make ends meet. This financial strain is exacerbated by the burden of my student loan. The presence of this debt on my credit report has severely impacted my debt-to-income ratio, preventing me from purchasing a car or renting an apartment. This situation has placed me in a precarious financial position and has limited my ability to improve my quality of life and pursue better opportunities.
Consumer complaint received 2024-05-18
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.