davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX Experian, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & Experian ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey XXXX yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX  unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Consumer complaint received 2023-09-15
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)

I summited a complaint on XX/XX/XXXX  to Experian alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/XXXX  stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Experian put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore i will also file a lawsuit against Experian for violations of the FCRA.
Consumer complaint received 2023-04-27
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. (TX)

I submitted a complaint last XX/XX/XXXX and XXXX XXXX XXXX The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ID)

To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

Thank you.
Consumer complaint received 2024-01-05
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. (NJ)

I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (KY)

On XX/XX/XXXX, and XX/XX/XXXX, I made two separate purchases using my CashApp card on XXXX plus for delivery from store. The money, {$96.00} and {$69.00} was taken out the time of purchase. Yesterday it was taken out again. When I contacted Cash App about being charged twice, they said the money was never originally taken out. Which it was on those dates it was never pending. cash app omitted that there was a glitch in the system and that they had updated the payments to reflect and everything was right with my account which it is not. Im out almost {$170.00}.
Consumer complaint received 2023-02-17
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-05
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-05
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. (NJ)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair Credit Reporting Act XXXX  account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXX  # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (IN)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-05
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. (TX)

In accordence with the fair credit reporting act XXXX Account # 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.
Consumer complaint received 2024-05-06
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX XXXX The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (NJ)

I have received a returned mail of Alert XXXX. It was listed in XXXX soft inquires. I have checked Experian credit report and both did not include this credit card company ; however, I made sure that XXXX had included this company because it stated it had deleted this credit card company as seen in attached print out. I checked again what was Alert XXXX, but could not find any information in website.
Consumer complaint received 2024-05-08
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

In XXXX we bought a XXXX  Toyota XXXX, for which they recommended that we buy insurance for tires, paint and glass. which we tried two years after using said insurance and they told us that it was not possible, they transferred us from department to department every time we called to have our insurance canceled and they never did anything. 
Windshield protection {$770.00} Theft proteccin {$590.00} to which they have charged more than that agreed amount and for 7 years we have paid the insurance, which we have not been able to use.
Consumer complaint received 2024-04-15
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit.