davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

To whom this may concern my name is XXXX XXXX XXXX XXXX, and I've decided to compose this statement after reviewing my report. The accounts listed in this report should not be reflecting on my personal consumer report as they are in violation of 15 US Code section ( s ) 1681-E, 1681-I, and 1681S-2 of the Fair Credit Reporting Act ( FCRA ) as I am a federally protected consumer. I have identified the inaccuracies in which require immediate attention and correction per FCRA guidelines. I am requesting a through investigation into these discrepancies along with prompt removal to uphold the integrity of my credit report and my consumer credit history.
Consumer complaint received 2024-06-16
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. (WI)

I recently filed another dispute with Experian in regards to some discrepancies listed on my credit report under the account name XXXX with the account number attached to it as being # XXXX. Experian could not have done a proper reasonable investigation because the discrepancies still are listed under this account. Which violates my rights under the Fair Credit Reporting Act Section 623 and 15 U.S. CODE 1681 ( a ) ( 1 ) ( A ). I also uploaded and attached my Experian credit report details with this CFPB complaint. Showing all of the discrepancies listed under this data furnisher account for you to reference.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-02
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)

Account : XXXX XXXX  XXXX I am writing to formally assert my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of Title 15 of the United States Code. Specifically, I would like to draw attention to the following sections : - 15 USC 1681 SECTION 602, which grants me the right to privacy regarding the information contained in my consumer report.

- 15 USC 1681 SECTION 604a SECTION 2, which stipulates that a consumer reporting agency can not furnish an account without my written instructions.

- Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I want to emphasize that I have never provided written instructions to either of the credit reporting agencies or the above-listed creditors to furnish any information on my consumer report, thus potentially violating 15 USC 1681b . 

Additionally this account has been closed due to the company 's willful negligence in reporting information against my permission and litigation is in process. XXXX, Experian, and XXXX XXXX are now co-conspirators and I will not hesitate to amend my complaint and include them. I have been sending the agencies correspondence for XXXX  months demanding their compliance and now I have had it. These agencies have also not marked this account as being disputed after SEVERAL disputes sent to them. They are willfully negligent in NOT ensuring the information on my consumer report was XXXX  % accurate prior to publishing it WITHOUT my consent! 

The actions of the Credit Reporting Agency in furnishing information without my explicit consent have caused me severe stress and anxiety due to what I perceive to be abusive and unfair practices. 

I request your immediate attention to rectify this situation and ensure compliance with federal laws governing consumer credit reporting. I also urge your agency to take necessary steps to prevent similar violations in the future.
Consumer complaint received 2024-05-02
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. (MO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 s -2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-29
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. (IL)

Hello after looking at my credit report Im seeing inaccuracies, If Im mistaken please provide proof that I was indeed late, if no proof is provided I ask you remove the account from my report. ( XXXX XXXX ) is watching!!
Consumer complaint received 2024-06-06
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. (NJ)

These Two collections company are harassing and calling me everyday I have no clue who they are. Never signed no contract with them also none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. Transunion delete these accounts and some how they back on my credit report I would be taking legal action This is a violation under the 15 U.S. Code 1692d law also known as FDCPA 806, prohibits debt collectors from harassing, oppressing, or abusing people in connection with debt collection. This includes conduct that could naturally result in such actions. I would like to these unknown accounts deleted off report and I would like to be compensated for these lies at this point disputed this like 100 times and it keep coming back verified clearly a proper investigation is not being done. 

So delete this inaccuracy from my report.
Consumer complaint received 2024-05-02
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. (OH)

Hi I notice some unauthorized inquiries account installment loans car loans collections and student loan on my account that not mines an thats not accurate and are paid off and by the FCRA I would like them removed or pay and pay as agree XXXX  XXXX XXXX XXXX paid off but have late payments never missed and 15USC 1681 A, 2, a, I, Late payment Student loan thats not mines in I want them to b removed or pay or pay as agree XXXX XXXX XXXX XXXX {$7400.00} {$4300.00} {$1400.00} DEPT OF EDUCATION/XXXX XXXX {$6200.00} {$4300.00} {$4700.00} {$1200.00} {$39000.00} {$930.00} {$7700.00} {$5400.00} I also have 2 collections thats not mines want they remove off my credit report XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$620.00}
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX  Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have requested multiple times to have Experian remove the address XXXX XXXX XXXX off of my credit report as it has never been my address. I have sent out requests to have this deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested other dates but I don't have the certified mail receipts for those dates. Each time they would send me a letter informing me that I would have to contact the furnisher of the information.
Consumer complaint received 2024-05-02
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Upstart Holdings, Inc. (WA)

I was approved for two loans through XXXX XXXX  - Upstart. I had been making payments regularly and then got into a hardship program. I have not been able to make ends meet since. So they took me off of the hardship program and sent me to collections. I have tried everything possible to make payment offers before they charged off my account, but each representative, kept promising that they could help me. So, two different occasions I made payments, only to find out that they would not be able to help with hardship. So they would send a link, it wouldn't take my response, and then they would still take partial payment and say the hardship department can work something out with me. 

Basically, empty promises and I believe this is a good faith issue where this loan company is not practicing it. There is a promissory note, but how can I work out payment plans when they will not allow me to.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with The Fair credit reporting act XXXX XXXX account XXXX 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 602 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-05-02
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. (MD)

I just checked and reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute a collection account that has recently appeared on my credit report. The account in question is listed as XXXX ( Original Creditor : XXXX XXXX XXXX ) and has an account number of XXXX, which I have no recollection of.
Consumer complaint received 2024-05-02
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. (PA)

XXXX removed this information from my consumer report thus proving my claim. In accordance to section 623 ( b ) ( D ) it is your duty to report the result to consumer reporting agency and since XXXX has removed this information, I demand that you remove this item from ALL other consumer reporting agencies. Please see attached.
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!
Consumer complaint received 2024-05-02
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-02
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)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

following up for pervious complaint XXXX and XXXX I submitted this complaint on XX/XX/2023 to provide the XXXX  message XXXX XXXX has sent to USAA bank regarding the fraud transactions XXXX However as of today USAA bank didn't response to XXXX XXXX via XXXX and not response to the case XXXX. 

I've visited XXXX XXXX XXXX today to discuss with their fraud team. As of today, USAA still not responding to XXXX XXXX XXXX messages. I provided the pervious response ( CFPB complaint XXXX ) from USAA requesting XXXX XXXX to contact them via email or fax, XXXX XXXX XXXX XXXX can only communicate with other banks with XXXX XXXX  message. They can not contact USAA bank via email nor fax because it's not regulated channel of communication. They reconfirm me, XXXX channel message is the only acceptable channel between banks regarding payment issue. Therefore USAA must response to XXXX XXXX via XXXX channel. If USAA needs any kind of agreement it's also on USAA bank to raise such request thro the XXXX channel. It's not possible for an individual like me to instruct a bank to issue hold harmless agreement to another bank. One more point XXXX XXXX point out to me, if the fund is still available ( as per to case XXXX USAA bank response XXXX they can not locate the account that I sent money to ) they should return the fund without asking for any " hold harmless agreement ''. 

I demand USAA to response to XXXX XXXX via the XXXX channel to start the communication immediately. If USAA continue to ignore messages sent through regulated communication channel but asking for outside, unregulated communication, I'll escalate the complaint to Regulator via Federal Reserve to investigate on any non-compliance process within USAA, and I reserve the right to pursue legal action to claim any interest loss and phycological injury occurred during USAA bank delay in response of my case.
Consumer complaint received 2024-06-16
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)

Experian is all about selling membership, I bought a paid membership with them and my scores went up, I couldnt keep up with the membership costs so I downgraded it to the free version, now they are punishing me by lowering my scores and adding negative remarks on accounts that have {$0.00} balance, like my XXXX XXXXXXXX account, it was paid in full, now they added negative remarks and information is missing. My score with XXXX is XXXX and XXXX is XXXX. I have XXXX collections accounts on XXXX and XXXX. They checked over and over for the XXXX  collections account showing on Experian but couldnt find any information. Please fix my report and my score because Im trying to get a home loan and this type of mistake is impeding me from getting a loan. Thank you