davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim
Consumer complaint received 2024-05-13
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-13
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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. (DE)

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I just received new credit reports from Experian, XXXX and XXXX. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.
Consumer complaint received 2024-08-01
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. (NC)

EXPERIAN AND XXXX REFUSE TO SEND ME THE INFORMATION THE COMPANY USE TO INVESTIGATE MY DISPUTE. THE XXXX AND XXXX SENT A COPY OF THE THE DEIT COMPANY 'S INFORMATION. I CONTACTED THE COMPANY WHICH IS PORTFOLIO RECOVERY COMPANY THEY SEND ME COPY OF THE INFORMATION. THAT SHOWS I WAS CORRECT ALL ALONG. EXPERIAN AND XXXX WAS WRONG.
Consumer complaint received 2024-05-13
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. (GA)

The credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX was properly investigated but how is that possible when my name is misspelled on one account, the open date is inaccurate and date last reported not accurate. This is ground for removal. 

They also have violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : The law clearly states the credit bureau have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( I ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.
Consumer complaint received 2024-08-01
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. (NY)

XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Experian : Thank you for deleting some of the accounts which falsely appeared on my credit file, I still firmly challenge the following remaining files. These files are still being reported incorrectly and are extremely harmful to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I demand that you REEXAMINE these accounts and clear them from my credit file. 
XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you spoke to for verification, along with their addresses and phone number so I may follow up with them as well. 
Thank you, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-11-23
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. (FL)

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

XXXX XXXX : # XXXXXXXX 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 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX Washington, PA XXXX Re : Reference No : XXXX, Dear XXXX XXXX XXXX, I am writing in response to a notice received regarding the above-referenced account. As I have no knowledge of this debt, I request that you provide validation of this debt and furnish proof that I owe this debt, that you have the legal right to collect it, and that it is within the statute of limitations for collection. 
Please provide me with the following information : - The amount of the debt ; - The name of the original creditor ; - Documentation that shows you have the right to collect this debt ; - Proof that the statute of limitations for collecting this debt has not expired ; - A statement of the payments made along with the dates each payment was posted to this account. 
-All original documentation related to the debt, including proof of my identity and the full application form submitted for the original account. 
Additionally, for my records and to ensure compliance with Ohio state regulations, please provide the following : - Your agency 's license number. 
- The name and address of the bonding agent you are registered within Ohio. 
This information will help confirm your legal authority to collect debts within this state. 
Please cease all communication with me by telephone and limit communication to writing only. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Sent from my XXXX
Consumer complaint received 2024-07-10
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. (IL)

Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

I attached proof.
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. (CA)

To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from TransUnion that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while TransUnion is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX
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: EQUIFAX, INC. (AZ)

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 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 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 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (FL)

I applied for my account on XX/XX/XXXX and was approved on XX/XX/XXXX, but then was immediately locked out of my account. I had opened the account under a promotion that gave a {$200.00} bonus after having 3 direct deposit in 4 months, but the first must be within 60 days. I called and emailed, but all they could tell me was that my account was " under review '' and that it could take 60 days. I eventually received access on XX/XX/XXXX and was able to begin normal banking. When I asked about my bonus after having met the requirement, they stated that my first direct deposit occurred later than 60 days. I was unable to access my account for that entire period. They also violated their terms by taking more than 60 days to review my account. I am attaching my correspondence with them via email while I was locked out, and through their messaging system after I had access to my account.
Consumer complaint received 2024-08-01
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)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-01
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)

Failure to delete multiple accounts unauthorized fraudulent inaccurate phone numbers addresses never lived at employers incorrectly previously filed fraud with irs improper use of Credit for Credit cards and car loans inquires placed on credit report for fraud accounts XXXX XXXX bXX/XX/XXXXXX/XX/XXXX report filed for experian XXXX and XXXX incorrect reporting
Consumer complaint received 2024-08-01
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)

15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the required notices or the required information. When I submitted complains about the duplicate accounts as well as the notices, they were unable to furnish proof that they sent the notices, however, the reporting agency did not remove the late payments from the account despite the fact that the payments are duplicates due to Covid and the creditor did not furnish the requested information.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Made online payment for XXXX XXXX store credit card administered by Synchrony Bank on XXXX. Paid credit card account with a XXXX XXXX checking account. Payment amount is {$230.00}. Synchrony Bank processed twice this amount in two transactions ( {$230.00} twice ). For each transaction there is a confirmation number. I have confirmation number ending XXXX. For the second payment transaction I do not have or receive this confirmation number ending XXXX ( this transaction was not performed by me ). It is very troubling there is a confirmation number on the second payment not performed or authorized by me. 
I called Synchrony customer service and was first told I made 2 payments, I did not. Second I was told there must have been a system error causing the payment to be made twice. I asked for the overpayment {$230.00} to be credited back to my checking account. I was told Synchrony would send a physical check and it would be XXXX business days ( unacceptable ). Easiest but not best way is to leave a credit card balance of $ XXXX on the account. The monies will be used eventually, but I should not have been debited twice on my checking account, and it should be fast and convenient to get the monies refunded for Synchrony errors.