davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-10-26
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goal Structured Solutions, LLC (NC)

We recently had our credit pulled and found out that I had " installment '' /student loans through XXXX that I had never been aware of. I have been paying a company called " Launch Servicing '' since XXXX  who had claimed to be my loan servicer for my student loans. I contacted XXXX on XX/XX/XXXXXXXX  to find out what these loan amounts were and if they were truly loans in my name. In speaking with XXXX I was informed that they were the current loan servicer on all of my student loans and had been since the original change of servicer from " XXXX XXXX '' back in XXXX. I was then informed that " Launch Servicing '' was a known scam and that I should immediately begin to file claims with XXXXUS Department of Education , and our banks as well as try and contact Launch Servicing to attempt to get a refund. Launch Servicing has been unresponsive to my calls and I've only received an automated message back in response to the email I sent also on XX/XX/XXXX. 
Records through Launch Servicing 's web site show I have paid a total of {$5100.00} to them. I am still trying to reach a banker at my bank to get a final amount that has " actually '' been paid to Launch Servicing. 
According to XXXX there has not been any payments made on my student loans since my income driven repayment plan was put in place, so I am not sure where this {$5100.00} has gone, because it has not been applied to my student loan balance. I did ask Launch Servicing to explain where my payments have been applied, but again, I have been unable to reach someone with Launch Servicing.
Consumer complaint received 2023-08-26
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. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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: EQUIFAX, INC. (CA)

Unlawful reinsertion OF ACCOUNTS THAT WERE DELETED BEFORE by EQUIFAX.. 
EQUIFAX, Reinsertion IS A serious violation of the Fair Credit Reporting Act. 

Unlawful reinsertion OF previously deleted information POOR COMPLIANCE PROCEDURE ..... 




SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-05-16
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. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-06-22
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or Credit reporting, credit repair services, or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX.
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. (MS)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till XXXX  woow. also BEST BUY ACCOUNT AND MACYS CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc (DE)

I requested a copy of my APLUS Verisk report and upon receipt I noticed a claim and policy listed that I had no knowledge of. On XX/XX/XXXX I sent a letter which they received asking for the inaccurate information to be investigated and validated. I also asked for the method of verification and to send any documents used to verify that information. They failed to do so. On XX/XX/XXXX I sent in another letter once again asking for validation and proof that information was in fact accurate and had any association with me and they once again failed to do so, but continue to report this false item on my report. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-03-05
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)

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 2024-03-05
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023 four fraudulent transactions took place between two of my accounts. Immediately before these transactions occurred, I received a call from a Chase bank number ( XXXX ) XXXX that was very suspicious. I gave out no personal information, but they informed me that my card had been compromised and a new card would be sent to me. A Chase private banker later told me that they had no log of this call on their end. Immediately after this suspicious call these transactions occurred : XX/XX/XXXX {$1200.00} Withdrawal from checking {$200.00} ATM Withdrawal from checking {$900.00} XXXX XXXX {$1000.00} Withdrawal from my savings I left town on XX/XX/XXXX to play a music festival in XXXX, AZ and didn't recognize the transactions until XX/XX/XXXX. I then immediately reported the fraud to Chase the next morning. On XX/XX/XXXX, Chase reimbursed me the {$200.00} transaction, which took place at the same location as the other fraudulent transactions within the same timeframe, but denied my other three claims ( all around {$1000.00} ). I submitted a complaint with them, and on XX/XX/XXXX they denied my complaint. I then had them open an investigation with their claim department, and on XX/XX/XXXX, they informed me that the investigation was over and they still denied the claim. They provided me no information about their investigation and have been extremely dismissive since then.
Consumer complaint received 2024-05-15
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. (TX)

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (PA)

Is a report of a fraudulent site they called me and told me I was approved for a personal loan when they sent me the website to go on to the personal loan I noticed it was prosper finance.site immediately got suspicious on upon going to the site I seen that they wanted your routing and your account info and then also your user ID and password this is a common scam and what they do is once you put that info in they have access to your account and they'll start moving money and doing whatever they want with it and it's definitely XXXX on the on the phone they are XXXX and they are scam artists and this has happened to me several times and the website is this prosperfinancial.site Don't even know why these can even exist this should be something that's found right away and shut down but yet they continue and fraud people everyday
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?
Consumer complaint received 2024-07-13
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. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my Experian XXXX and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX a credit card I have at Bank of America, that I did not open, was charged {$10000.00} in my name. The money was transferred to an account at XXXX XXXX, a bank I have no account with. For some background, in XX/XX/XXXX I purchased a car. The original loan was financed through XXXX via the dealership. I refinanced the car myself in XX/XX/XXXX for a better interest rate with XXXX XXXX XXXX. The loan to XXXX was then paid off in XXXX. I then had no account with XXXX XXXX. I contacted XXXX XXXX  and they verified that I had no account with them at all since XXXX. Bank of America is saying I used the {$10000.00} to cover an overdraft. What overdraft, where?!? I am getting no answers, I would never use a credit card to pay a bill. I pay my credit cards off before the they are due. I have excellent credit. I am very responsible with my money. A few months before a credit card was taken out in my name at XXXX and {$10.00} was transferred to some account. I was contacted immediately, and it was clearly fraud. They closed the case. Bank of America never contacted me when this transfer was made and they charged me a {$300.00} transfer fee! I didnt know this occurred till I looked at my statement, and was shocked. I reported it immediately. I have been on the phone 6 times with the XXXX department at Bank of America and have gotten nowhere. I froze my credit cards with all the credit bureaus. Someone has my information and I feel helpless. What can I do? Please help.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?
Consumer complaint received 2023-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

This is an account that was purchased from Big Lots. I have yet to receive a contract with my Wet signature on it. I asked for this information when XXXX XXXX called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXX XXXX abusive and deceptive business practices.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MA)

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is SECCREDIT account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and XXXX have thisnkaited as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has cashed me a lot of pain and stress
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

City of XXXX payment history shows in collections as of XX/XX/XXXX, however it was paid in full on XX/XX/XXXX. I request experian remove this negative potential payment history from my credit report, and made corrections. 

I also have attached documents from city of XXXX saying that this account was paid in full on XXXX XXXX. Therefore it shouldnt show as in collection for XXXX in payment history