davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (UT)

Experian furnished negative payment history on my credit report without any written consent or instructions from me, and without a subpoena from federal grand jury. 

- 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 : - ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Per 15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

They reported 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Per 15 U.S. Code 1681 - Congressional findings and statement of purpose Experian has ASSUMED the role in assembling and evaluating consumer credit and other information on consumers.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

I am seeking damages up to {$50000.00} for the 19 negative transactions furnished to my credit report, for the adverse actions that continue to arise because of their negative reporting and for the physical harm it has cause my family and I. I will also be filing a complaint with FTC.gov
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, XXXX, and Equifax but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, XXXX, and Equifax have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (SC)

XXXX {$1500.00} on XX/XX/year>. Made XXXX transactions XXXX for the amount of {$65.00} from XXXX and the other for the amount of {$400.00} which was an XXXX to XXXX. However on XX/XX/XXXX recieved call from Chase about the balance of $ XXXX. At first didnt realize they was talking about my Chase XXXX however I later discover its was my Chase which should have a balance on {$1000.00}. XXXX Chase to explain I didnt make any of the charges to the account they told me they were going to file a XXXX on the charges made. Check account following day the balance is now $ XXXX and was informed I will be responsible to pay account off and my XXXX was close I was so confuse that they would do this to a consumer that is a XXXX of XXXX
Consumer complaint received 2023-02-13
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. (CA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-08
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. (OH)

I received a notification on my XXXX XXXX  today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RE : Disputed Account # XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, LVNV FUNDING has damaged my name, and my credit LVNV FUNDING has entered derogatory information into my credit file. I should not be responsible for LVNV FUNDING mistake. LVNV FUNDING has resource to enable accurate information about the clients inquiring new services. LVNV FUNDING allows an account to be placed under my name erroneously. LVNV FUNDING should verify all information prior to approving any application 's for services.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my Equifax 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 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

XX/XX/XXXX a purchase was made with my cash app card, for {$1000.00} at liquidators XXXX. I tried reaching out to Cash App for 2 weeks straight calling and receiving due to covid-19 we have reduced staff. Finally weeks later they responded to email saying I needed a police report. I called XXXX Police Dept. 3 times to be told I would receive a call from an investigator. At no point has Cash App offered to help me in anyway or credit my account while they investigate. Please help.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I've sent NATIONAL CREDIT ADJUSTER several requests for validation of a debt on an account for which they advised that I owe {$900.00}. NCA has failed to validate the debt and continues to list the debt on my consumer credit reports. Please assist in having NCA remove the debt and rescind all collection activity in accordance with FDCPA guidelines.
Consumer complaint received 2024-06-27
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)

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/year>, and I have not yet received a response.
Consumer complaint received 2024-08-15
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. (AK)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (AZ)

Credit Karma guaranteed me a personal loan at XXXX  % or they would pay me {$XXXX}. I was approved for a loan with their link at XXXX  % and they will not honor their offer. They also lied on this resulting in an unwarranted hard inquiry to my credit report where they should be held accountable for not providing accurate information prior to lending offer.
Consumer complaint received 2024-08-20
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-22
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX fl, XXXX Last 4 SSN : XXXX XXXX : XXXX Consumer ID : XXXXXXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my ChexSystems report in violation of Federal Law. You are required under the FRA to have a copy of the original source documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from ( name of bank ) does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

1am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

Please verify the following account or remove it immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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 am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing. 

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile. 

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (CA)

I opted in to utilize my payment protection benefit with my Destiny credit card. I provided all required documents and information timely on XX/XX/2023. The payment protection did not process my request and initiate payment until after my due date in XXXX. The benefit request had XXXX months or ample time. 
As a result, destiny credit card reported to all three credit bureaus that I was late in XXXX. Creating a hardship and damaging my credit score significantly. 
I am aware that I should be making my minimum monthly credit card payments. But, obviously I was experiencing financial hardships and it should had never taken XXXX months to process my request. 
If I was missing some thing, I should had been told every week when I called into the go benefit customer service
Consumer complaint received 2023-02-02
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.