davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (GA)

Dear XXXX I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed.

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Consumer complaint received 2024-05-28
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. (TN)

Hello, I was checking my Experian, XXXX, and XXXX and the company XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/2024. XXXXXXXX XXXX says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Consumer complaint received 2024-05-29
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
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 ensure all payments on this account are timely, never letting them go overdue. I'm not sure why there are late payment remarks on my accounts. Based on 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-05-28
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. (TX)

I am disputing inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite the FCRA 's requirement for accurate reporting, there are discrepancies present on my credit report that do not reflect my true financial standing. 

As a consumer, I have the right to ensure that my credit report is free from errors and reflects my creditworthiness accurately. Inaccurate information can have detrimental effects on my ability to obtain credit and may result in unfair treatment in financial transactions. 

I request a thorough investigation into the inaccuracies on my credit report and prompt correction of any errors. It is imperative to uphold the standards of accuracy and fairness outlined in the FCRA to maintain the integrity of consumer credit reporting.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp. (IL)

The car is inoperable and I have not used it since the beginning of XXXX. I dont know why I have to pay 24 % interest on a loan for a car I can not use. I called on XX/XX/XXXX to make a payment and was granted one month deferment which would be added to the end of my loan term. I still have to it a loan for a car I cant use. Its not fair.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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)

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXXXXXX XXXX  account number XXXX. They did not provide me with the original contract as requested.
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: BMW Financial Services NA, LLC (CA)

I purchased a car, Mini XXXX, in Virginia in XX/XX/2023, from a trusted Mini dealership. I made it clear to the dealership/sales associate that I will be shipping the car to California in XX/XX/2023. The sales associate lied that if I buy a brand-new XXXX  Mini XXXX then they will be able to register the car in California without the smog-test. This is either a fraud or misrepresentation. The dealership could not register the car until XX/XX/2023 ( when the car got shipped to CA ). 

In the entire 6-months of dealing with the dealership at VA, I have sent ( mailed and emailed ) all the paperwork to register the car in California. Nonetheless, the owner of the dealership decided to yell at me ( use Caps-On ) for no reason at all ( after of course, the deal was done ). 

Last but not the least, the dealership asked me to pay the so-called CAs registration fees in XXXX ( which should have been either disclosed durning the time of sale or covered by the dealership if not disclosed durning the time of sale, in my knowledge ). 

This deal costed us : {$3800.00} in insurance, {$44.00}, XXXX in principal amount, {$5600.00} in shipping & maintenance and {$2800.00} in monthly payments. Nonetheless, instead of mitigating the matter with us, the " BMW BANK OF NORTH AMERICA '' delinquent'ed the account ( when I wrote a complain letter ) and took the car without any notice ( to either me, co-owner or my father, owner ).
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX Account XXXX Notice to agent is notice to principal notice to principal is notice to agent. 


15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

I pulled my Consumer reports from Experian and I notice you have furnished an account there as a charge off XXXX XXXX  XXXX XXXX. 

An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form XXXX must be issued to the consumer! How can you collect on a canceled debt? 
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a XXXX XXXX XXXX off definition : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the XXXX to remove debt from XXXX XXXX , however, future payments may be received. 

Write off : a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is XXXX from that written off debt. 


cancellation of a debt : https : //www.experian.com/blogs/ask-experian/what-happens-with-canceled-debt/ How Does Canceled Debt Affect Taxes? 
The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and it's considered taxable, the lender is required to send you a XXXX form, which includes the cancelled amount that you'll need to report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX XXXX Balance Owed : {$4000.00} XXXX  XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$120.00}
Consumer complaint received 2024-06-24
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. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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 dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-05-28
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. (NJ)

To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Consumer complaint received 2024-05-28
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 am not liable for this depth with XXXX XXXX XXXX. I do not have any account with XXXX XXXX, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with XXXX XXXX. 
Account # XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-08-09
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. (NJ)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-28
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. (FL)

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 2024-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I changed insurance providers on XXXX for all XXXX of my policies i.e. auto, home, & umbrella. My accts were all in good standing. My policies were set up on auto draft and I never had any issues. I received a text from a collections agency in XX/XX/year> stating that I owed XXXX a balance. I called them and explained that I changed providers and they asked me to provide copies of my declaration pages. Copies of all XXXX declaration pages were uploaded on their portal. On XXXX I received another text from a collection agency. I called them and the representative told me that I no longer owe on my home & umbrella policies, and that XXXX did an adjustment and I still owe on my auto. However, the rep was unable to explain how or why I still owe on the auto and not the other policies after I submitted copies of my declaration pages. It didn't make sense. So she suggested that I call XXXX. I called XXXX at XXXX and explained my reason for calling and the rep told me to send a copy of my auto declaration page to email address, XXXX, to show proof that I changed providers and had coverage before my payment due date on the XXXX. After sending my auto declaration pages, I followed up with a call to XXXX and was told that they were unable to update their system showing that I changed providers due to systematic reasons. So by not updating their system, it falsely appears as if I owe them for 1 month of coverage ( XXXX ), when I was covered by XXXX XXXX insurance as of XXXX per my declaration pages. So XXXX is falsely reporting that I owe them. They are trying to make me pay for double coverage
Consumer complaint received 2024-06-24
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)

Please delete these fraudulent accounts from credit report. I have included my ID, Power Bill, and identity theft report. These have already been deleted by the other credit reporting companies can you please delete also. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these fraudulent inquiries from my credit report. 

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 2024-05-28
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)

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 : They were the first ones that we filed suit against and won and they have completely wiped out my credit report instead of putting what was approved by them and myself on my reports. They have taking all of my positive things off and wiped it out. I have the lawsuit paperwork and the credit report that was corrected for proof. 



Experian, XXXX XXXX XXXX XXXX XXXX XXXX was sued and we won and that is not suppose to be on my credit file XXXX XXXX XXXX XXXX XXXX is not suppose to be on my report at all. XXXXXXXX XXXX I filed suit and won and it is still showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed suit and won against all three credit bureaus and they still are not corrected and holding all of the above on my credit reports, most of the creditors as well were sued and lost against me and agreed to have all removed. This has been well over a year ago and nothing has yet to be done. All companies are in breach of contract/ and I will take all back to court
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.