davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AL)

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 2023-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-06-01
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. (MD)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Certainly, here 's a draft for your complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX XXXX handling of COVID-19 deferment for credit card XXXX in XX/XX/year> : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX XXXX Date ] Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX regarding their handling of the COVID-19 deferment for my credit card account XXXX in XX/XX/year>. Despite the assurances provided by XXXX XXXX regarding the deferment, their actions have resulted in significant financial losses and have tarnished my creditworthiness. 

In XX/XX/year>, as a responsible customer, I requested a deferment on my credit card payments due to financial hardships caused by the COVID-19 pandemic. XXXX XXXX assured me that the deferment would be processed promptly and would not negatively impact my XXXX XXXX XXXX XXXXcur additional fees. However, their failure to fulfill this promise has had dire consequences. 

Instead of processing the deferment as promised, XXXX XXXX erroneously reported missed payments to the credit bureaus, resulting in a significant drop in my credit score. This inaccurate reporting has not only cost me thousands of dollars in lost credit opportunities but has also impugned my character and financial responsibility. 

I have diligently adhered to the terms and conditions set forth by XXXX XXXX and have never defaulted on any payments prior to this incident. Therefore, I find it unacceptable that XXXX XXXX 's negligence has unfairly penalized me and undermined my financial standing.
Consumer complaint received 2023-11-07
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. (GA)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 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 2024-08-21
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. (VA)

These inquiries were unauthorized on Experian, XXXX, and XXXX and im a victim of Identiy Theft. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, Capital One has since been able to report any updates or issues from then on.
Consumer complaint received 2023-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reflecting on my credit report. I have submitted various letters asking for validation of debt in which I have not received. 
I have contacted XXXX XXXX who states that they are not furnishing my information to the credit reporting agencies as well as XXXX XXXX. I have correspondence from both XXXX XXXX and XXXX XXXX that states this as well.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Nguyen Law Firm, PLC (VA)

I received a threatening letter from a law Firm named NYGUEN BALLATO threatening to seize my private property/ garnish my wages using a appellation of my name which denotes a deceased or fictional person that does not even match the name that was on the summons of the original creditor. I have no contract with this entity and they do not have permissible purpose to have my personal non-public information. This legal fiction is trying to use bully tactics to force me into a contract that does not exist. this complaint is being filed against this legal entity because they are claiming that I have a contract with them when I didn't even have one with the original creditor, with full disclosure was nit given to me and all things were signed without prejudice UCC1-308 making any contract null and void for failure to disclose all things in this alleged contract.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IL)

My account with the FREEDOM MORTGAGE and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.
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. (SC)

XXXX XXXX  is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX with account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent XXXX XXXX credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and experian have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my experian report.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to express my concern and submit a complaint to CAPITAL ONE regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, CAPITAL ONE will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-05-05
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 recently reviewed my credit report and noticed two accounts that are not reporting accurately. I have two late payments on accounts that 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 credit report to this complaint for the below dates. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Account Number : XXXX ( XX/XX/XXXX ) XXXX Account Number : XXXX ( XX/XX/XXXX ).
Consumer complaint received 2024-05-05
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)

Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX  Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXXXXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX DELETE XXXX
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. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

I had Equifax XXXX XXXX before the XXXX XXXX XXXX & returned to them for their services in XXXX. I became a Victim of Identity Theft while having their XXXX XXXX XXXX XXXX. Equifax totally IGNORED my claims. I received Monitoring Alerts from Equifax of XXXX new accounts that opened in my name & were added to my credit reports but Equifax refused to investigate the alerts & the source that reported the accounts. 

Eventually Equifax removed the fraudulent account in XX/XX/XXXX but still refuses to remove the XXXX that belongs to the account. I also filed disputes with Equifax because whoever is reporting the false accounts have also ALTERED & DELETED Soft Inquiries related to those accounts. There are many that have been changed from the name/company of the false account and replaced with the Equifax name as if they are actually mine when I pulled my own credit reports when I had their monitoring service. I have ALL copies of every credit report on my file with Equifax and there's so many updates & deletions that line up with dates that my identity was stolen and used against me. I contacted Equifax today XX/XX/XXXX because of the Inquiry that continues to remain on my file which allows the thief to have access to my credit file as Equifax never blocked them although they received a Police & Identity Theft Reports with USPS XXXX XXXX XXXX XXXX had them in their possession. 
The Equifax agent is also aware that other contact numbers have appeared on my credit file in Soft Inquiries that are under XXXX as Equifax. I know the thieves have updated the Soft Inquiries and have been tampered with to cover what Equifax has allowed. Today an investigation was opened through XXXX XXXX XXXX and as usual within MINUTES it shows the investigation was closed because they will continue to keep the false inquiry on my credit file as Equifax continues to work in favor of thief. The agent said it would take 30 days for the investigation but again they've lied. The investigation shows results online as XXXX. I had credit monitoring in place with Equifax when I became a victim of Identity Theft. I would think Equifax understands the damage they have caused while I had credit monitoring services with them. Equifax has not responded through CFPB to all of the many complaints I've submitted. Instead, they choose to send responses via USPS mail only to say " RECENTLY, they've received information about my reporting ID Theft. '' They've had information since last year XX/XX/XXXX. They've FAILED miserably again & will be taken to Court for refusing to do the jobs that they are paid for the Consumer. 
**PLEASE EVERYONE SEARCH THE VALIDITY OF SOFT INQUIRES ON YOUR CREDIT REPORTS**
Consumer complaint received 2024-05-04
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. (TX)

NOTICE OF DISPUTE My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Im currently residing at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Were requesting all other addresses reporting to be removed and blocked since they are NOT CURRENT and are outdated. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW and BLOCK or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Please REMOVE this following INACURATE PERSONAL INFORMATION in my REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please promptly remove all other names, addresses and employment. These other forms of my name are not correct historical data. 
Therefore, they must be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. You must respond within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2024-06-16
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. (IL)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name : XXXX. Account number : XXXX. The account name and number above has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.