davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
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)

On or about XX/XX/24 a new collection was added to my credit report with the 3 major credit report. The account was opened fraudulently by a third party as part of an identity theft. I contacted the original creditor listed ( XXXX XXXX ) to explain same. I filed an identity theft claim with the FTC and my local police department ( XXXX Police Department ). I sent copies of these reports as well as all other info requested to XXXX XXXX at the link provided as well as to all 3 major credit bureaus as part of disputes on XX/XX/24. The 3 major credit bureaus have refused to remove the fraudulent account that was opened using my stolen information. I have complied with everything asked of me as part of this identity theft and in accordance with the Fair Credit Reporting Act the creditor has violated my rights under : 15 U.S.C 1681 section 602. The consumer reporting agencies have furnish an account without my written instructions and refuse to remove the fraudulently opened account. The Police report provided by the XXXX Police Department provided is # XXXX. Also attached are the identity theft report filed with the FTC. The credit reporting company XXXX just updated the report noting that it changed ownership to a collection agency rather than removing it. The credit reporting agency shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2024-05-09
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXX XXXX/Experian/XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXXXXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX is not showing on my Experian report and it should be please fix this error
Consumer complaint received 2024-05-12
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)

Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX, Experian, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXXXXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through Experian, XXXX and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Consumer complaint received 2024-07-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation (CA)

Dear CFPB, I am writing to file a complaint against OneMain Financial regarding their use of high-pressure sales tactics and potentially misleading information about application deadlines for a title loan. I believe these practices may violate CFPB rules and regulations, particularly those related to Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and the Truth in Lending Act ( TILA ). 
Details of the Incident : I recently applied for a title loan through OneMain Financial, which resulted in a hard credit pull. 
Following my application, I received an excessive number of phone calls- 5 calls within 3 days. 
During my interactions with their representative, I experienced several concerning practices : a. The representative used high-pressure sales tactics to rush my decision-making process. 
b. When I expressed needing more time to consider the loan, the representative provided ambiguous or potentially misleading information about application deadlines. 
c. The representative implied various arbitrary deadlines ( Friday, then Monday, then Wednesday ) for submitting my information, creating a false sense of urgency. 
d. Only after I voiced concerns about these tactics did the representative disclose that the actual deadline was 26 days from the start of the application. 
When confronted about these tactics, the representative denied using them, stating she never explicitly mentioned the earlier deadlines, despite heavily implying them during our conversation. 

Potential Violations : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The creation of artificial deadlines and false urgency could be considered deceptive, as it misled me about the true nature of the offer and the time available to make a decision. 


Truth in Lending Act ( TILA ) : The high-pressure tactics used may have been an attempt to rush me through the disclosure process or obscure important information, potentially violating TILA regulations.

Request for Action : I respectfully request that the CFPB investigate OneMain Financial 's sales practices, particularly regarding : The use of high-pressure sales tactics. 
The creation of artificial deadlines and false sense of urgency. 
The clarity and accuracy of information provided about application deadlines and processes. 

I believe these practices not only affected my experience but may be impacting other consumers as well. I ask that appropriate penalties be applied if violations are found, and that OneMain Financial be required to revise their sales practices to comply with CFPB regulations. 
Thank you for your attention to this matter. I am willing to provide any additional information if needed.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, Equifax and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have XXXX day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, XXXX and Transunion all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX  over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-04-12
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-09
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. (IL)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (CT)

Today I received a Cash App Card in the mail that I haven't opened and it was under my name. I called cash App support. The name of the representative I spoke with was called XXXX. He sent me a link to my email, which I gave to them, to close the two charge cards that where sent to me. The information that they wanted through the email was a picture of the front and back of the card and if anyone previously lived at the address I currently reside in. They didn't ask for a SSN or any bank information. He gave me a case number which is XXXX. I would very much appreciate it if Cash App didn't do this again. This sounds alot to me like the XXXX XXXX fake accounts scandal to me when they opened a bunch of accounts without the people 's knowledge.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( FED LOAN SERV XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, 2023. 

I have a medical bill reporting as a collection on my credit report from an out of network provider named, XXXX XXXX XXXX XXXX, who is trying to collect a debt for medical related services without my prior authorization, in the amount of {$1400.00}. 
XXXX XXXX XXXX XXXX is violating my right under the " No Surprise Act of 2022 ''.