davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2024 Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Amount : {$660.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter, XXXX XXXX
Consumer complaint received 2024-05-17
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
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. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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: Experian Information Solutions Inc. (TX)

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXX.here is the report on XXXX XXXX below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Consumer complaint received 2023-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

IDENTITY THEFT VICTIM DUE TO DATA BREACH FROM XXXX, AND OTHER CRA. HAVE DOCUMENTS OF FILE REPORTS TO FEDERAL ENFORCEMENT AND IDENTITYTHEFT .GOV
Consumer complaint received 2023-07-01
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: CORELOGIC INC (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.
15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I and grandson, XXXX XXXX purchased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX. Had mechanical problem less than two weeks. Took truck to XXXX dealership, paid {$600.00}. Had problems getting home. Took back to dealership. Left for ten days while XXXX was working out of state. 
Picked up couple days ago. Drove across street and problems, took back to dealership. Now have to leave again while working out of state. They say they will not charge. Disgusted with XXXX XXXX wanted to trade on different truck, not comfortable with the problem truck, they seemed reluctant to allow monies on a different truck. The Credit Acceptance Corp. are to hold off on payments till remedy on different truck is clarified with new contract.
Consumer complaint received 2024-05-17
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-05-17
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (MD)

In 2023, I was notified by a company called January Technologies for a debt that was not mine. They kept emailing me and calling me, harassing me about payments that I did not owe.I sent a letter on XX/XX/2023 via email to the agency disputing the debt in question and requesting verification as per my rights under the FDCPA. According to my records, this letter was received by the office on the same day because they acknowledged it was received by the office and should have triggered the 30-day timeframe within which they were obligated to provide the requested verification. 

However, to my surprise, I received a response from your agency on XX/XX/2023, which is well beyond the 30-day period mandated by the FDCPA I sent a letter XX/XX/XXXX to ask for verification of the debt and where it came from.This delay in providing verification is not only a violation of the law but also raises concerns about the accuracy and legitimacy of the alleged debt. Additionally, it has come to my attention that there are strong indications of falsification of the debt by your chosen debt collection agency. The FDCPA explicitly prohibits debt collectors from using deceptive, unfair, or unconscionable practices when attempting to collect a debt. Falsifying or misrepresenting the existence, amount, or nature of a debt is a clear violation of this law. 

They have provided a log in lin which does not work. They have yet to provide information that is valid.
Consumer complaint received 2024-05-17
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. (AL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPTEDXXXX # XXXX, Account name : XXXX  XXXX # XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 ( ii ) 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 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
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. (AZ)

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. 

XXXX XXXX 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 AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/scrub>30/60/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. EXPERIAN REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXX 75 %, XXXX 100 %, AND EXPERIAN 80 %. AGAIN, FOR THE SAME ACCOUNT. 

I am writing to urgently dispute inaccuracies on my credit reports with XXXX, XXXX, and Experian. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. 

The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. 

Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (KY)

I bought 2 prepaid serve card one {$50.00} Dollar on a {$100.00} XXXX XXXX the {$50.00} worked the {$100.00} didn't I have went back to store they said they wasn't nothing they could do the serve people just have gave me the run around I'm about to file a claim I got the card on XXXX at XXXX XXXX in XXXXXXXX XXXX my on XXXX  XXXX and still haven't no one done nothing I have sent documents they asked for and still nothing
Consumer complaint received 2024-05-17
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-11-18
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JNR Adjustment Company, Inc (PA)

A company called JNR adjustment company in XXXX Minnesota has been sending letters to me stating that I owe {$710.00} to my telephone company of XXXX XXXX. 

I contacted XXXX XXXX and talk to a gentleman in the department of loss by the name of XXXX his telephone number is XXXX and he stated to me that on the date it was on the letter sent to me to be collected the money of A damage claim on a telephone line on XX/XX/2022 he stated was a standard call out and there was absolutely no charge. 

I told him of the collection letter from this company in XXXX wanting me to pay {$710.00} he said there was nothing owed by me and it would appear to be a scam and to absolutely not pay that bill because there is no bill or any money owed by me XXXX XXXX XXXX also said this makes absolutely no sense because my XXXX XXXX bill is in my wife XXXX XXXX name and he asked me to report this as a scam against XXXX XXXX
Consumer complaint received 2023-06-07
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: 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.

The letters are stated with items and issues.

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MD)

I went to XXXX XXXX back in XXXX it was a college located in XXXX VA. 
I was XXXX XXXX  and given 121 months in the XXXX XXXX XXXX. We reported this information and asked for aid and discontinuing money to go to the school. 

This School Closed in XXXX and would not respond to any of the letters that i wrote from XXXX  The loan company XXXX also was non responsive and when I came home in XXXX I was stiffed with a bill that was outlandish. They said the school was received the payments while i was away XXXX refused to help me rectify this and instead put me on some plan where combined like three accounts from them and said i wouldn't have to pay however it sits on my credit. 

years later XXXX sold my account with out my permission or any communication, to another company then Biden Administration asked about applications for student loan forgiveness i applied for that and now I'm being harassed by another company called Aidvantage. BUT HOW i was in XXXX and did not get to use my student loan i literally went in right after. how come now one in protecting me and why does XXXX XXXX  and XXXX get to get away with keeping money that was not used for the student. For God Sake the School does not even exist anymore.