davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (MD)

There is a XXXX  XXXX Bankrutcy reported on my credit I have disputed it for years. the information is inaccuarate and can not be validated. I reached out to the bankrutcy court and they sent a letter stating that they do not report or confirm accuracies reported by these credit agencies. I have attached a copy of the credit lines and thier inaccuracies. along with the letter form the court house that clearly states this information was illegally retainied.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2024-04-27
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. (NV)

Ive been the victim of identity theft. This is mostly XXXX and XXXX fault for leaking my information. 
There is 3 different names on my credit profile. I have filed a FTC Identity theft report and also filed one with the Department of Defense, And NCIS. 
Ive followed this correctly to a T and filed everything correct yet XXXX, Experian, And Especially XXXX refuse to remove all these accounts with the name XXXX XXXX, and XXXX XXXX. I have submitted my Military ID, Social security card, Passport and more and the info is still not removed. 
If this process allows me to attach the FTC complaint and other docs ill attach them here.
Consumer complaint received 2024-04-27
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. (MD)

My Identity was stolen. I have included my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Writeup : 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-09-11
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. (TN)

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. 

XXXX XXXX XXXX  ; Account number : XXXX, XXXX  XXXX ; Account number : XXXX, XXXX  XXXX ; Account number:XXXXXXXX XXXX  ; Account XXXX XXXXXXXX XXXX XXXX ; Account numberXXXX, XXXX XXXX Account numberXXXX, Department of Education ; Account number : XXXX, Department of edXXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 conviction 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Contacted credit reporting agencies and they all have a bankruptcy and credit card reporting on my report that does not belong to me and is not being reported by the creditor or another consumer reporting agency. Company failed to disclose how it appeared on the report and has not removed it from my report. The name does not match and no one is reporting it on the credit report. A bankruptcy is damaging to report once it has been discharged and so is a credit card that doesn't belong to the consumer that was also charged off years ago. These acts directly violate the rights to the consumer under the fair credit reporting act and once proven that the reporting agency is deliberately refusing to remove the inaccurate information. 


public record/bankruptcy must match consumer information XXXX XXXX must show credit card contract signed by consumer XXXX must show consumer agreement signed in consumers name I have never signed with either of these companies and have asked reporting agency to provide documents and they have failed to do so. These items must be deleted immediately!
Consumer complaint received 2024-04-27
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. (TN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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.
Consumer complaint received 2024-04-28
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. (HI)

On XX/XX/XXXX I sent dispute letters to Experian and XXXX disputing inaccurate information and Complaince violations on the reporting of information on my consumer reports, Experain and XXXX sent me am email saying they won't investigate my disputes. I have the right to dispute whatever I feel is in accurate on my reports according to the FCRA, I sent another round of dispute letters via Certifiede mail on XX/XX/XXXX th and.got the same email saying the won't investigate my disputes, I want to know what happened.to my letters.? It costs me money to create through software, print through 3rd party printing company, and to send my letters. I'm asking then CFPB to.follow up with Experian and XXXX on the disputes letters I sent them and to properly go through my dispute letters and do a proper investigation of what's I requested and challenged in my dispute letters sent on XX/XX/2024 and XX/XX/2024. I Will fill new complaints with the FTC and The Attorney Generals Office next.
Consumer complaint received 2024-04-27
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)

XXXX, XXXX XXXX Experian, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Consumer complaint received 2024-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERICAN PACIFIC MORTGAGE (CA)

On XX/XX/year> I received a pre-approval letter from American Pacific Mortgage of XXXX to purchase a home. I put on an offer on that same day and it was accepted. We began escrow on XX/XX/year>. I paid for an Inspection on XX/XX/year>, XXXX. Everything was fine, I had a XXXX meeting on XX/XX/2024 wherein XXXX XXXX stated my loan has gone through underwriting and I will be signing the loan documents soon since my loan is approved. On XX/XX/year> I paid XXXX for an appraisal. On XX/XX/XXXX, I signed an amendment of existing agreement terms adjusting the purchase price. On Friday XX/XX/XXXX, at XXXX XXXX XXXX called and said I could not get the loan because FHA couldn't insure my loan.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (AL)

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act,15 U.S.C.1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Wet Ink Signature On It ). You have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed with XXXX business days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Consumer complaint received 2024-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (RI)

Hi FFR Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt.
3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-04-27
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. (NC)

XXXX XXXX # XXXX {$20000.00}. I have disputed this item previously, requesting the ORGINAL WET INK SIGNATURE CONTRACT, pursuant to section 609a of the FCRA. This company has failed to provide me with this infomation in a timely manner, which they have not provided this information to me properly, which is fraud against my credit report. I have been provided with a COPY contract ( see attachments ) which is not deemed vaild by law. Not only is the contract not a ORIGINAL contract with WET INK SIGNATURE, there are multiple federal violation. THE COPY CONTRACT states that A CASH DEPOSIT was given along with the extension of credit by using a consumers social security number. PURSUANT TO 15 U.S. Code 1662, DOWN PAYMENTS ARE ILLEGAL. I have contacted my attorneys who is prepared to begin a litigation process against each agency who is reporting fraudulent information this is not VERIFIED to my credit report. I have received multiple letters that state " this item was verified '' which is not VALID VERIFICATION. DELETE THIS ITEM IMMEDIATELY
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

THIS IS NOT MY ACCOUNT AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with theseaccounts, ( i.e.anORIGINAL CONTRACTBEARINGMYSIGNATURE ) XXXX formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (ID)

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by an unknown fraudster which involved me making deposits for a total amount of XXXX XXXX from my account to Paxful at the instructions of the scammers and owners of the wallet XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reached out to capital one about inability to charge open invoices on my card. I had paid the amount in advance. The credit balance I have is more than the credit limit of the card. 

The charges are processing very slowly. I called the number on the back of the card. I spoke with XXXX and he said that he could not verify the account without me giving the last XXXX of my social. I stated that I refused to give the last XXXX as federal law does not allow them to require the last XXXX. 
Also I was told I had to use the app to verify.. I told him as a doctor that we do not use phones, for patient safety... I could not use my phone and the app... 

He refused to assist me.. told me I was being unreasonable because I would not allow them to violate my rights under federal law. He disconnected the call. 

I called back and reached XXXX, who verified my account with my birthday rather than the social. She transferred me to a supervisor XXXX who gave me the information. She said she would speak with XXXX.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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