davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2023 and XXXX OF XXXX XX/XX/2023. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-05-19
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-19
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXXXXXX XXXX # XXXX, XXXX # XXXX, AND XXXX # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed
Consumer complaint received 2024-05-20
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)

I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from my credit report 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 These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 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.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items. 

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I deposited a check for XXXX on XX/XX/XXXX seven day hold was placed, which is fine, funds are suppose to be available XX/XX/XXXX and now it's on hold until XX/XX/XXXX, how is that even possible? Not a foreign Check! Informing me they are closing my accounts with no details provided
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE XXXX MARKET AS WELL AS A SECURITY BREACH. 

XXXX IS ONE ACCOUNT OF XXXX OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE
Consumer complaint received 2024-05-19
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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NJ)

In XXXX of XXXX the process of repossession of my car was started for falling behind on my payments on my loan with Santander Consumer USA Bank. I immediately paid the past due amount on the loan before the tow truck driver even had the car hooked up. So while speaking to a customer service rep at Santander that very same day, Miss. XXXX, she agreed to waive the repossession fees that they were going to charge to my account because I handled the situation in an expedited manner and brought the loan current immediately. Now, in XX/XX/XXXX I've made the final payment on the loan, and the loan has been paid on time since that incident in XX/XX/XXXX, but they have over {$370.00} worth of fees still open on the account for this repossession in XXXX/XXXX. The fees they promised to waive originally. I've since disputed these fees with a customer service rep, in early XXXX of XXXX, asking her to go back and review the recorded conversation I had with Miss XXXX that day in XX/XX/XXXX. She claimed she had no access to those records and told me that if I don't pay them that they will adversely effect my credit reports by reporting me as being 30 days, 60 days & even 90 days past due on the loan. The loan is paid off. So today XX/XX/XXXX, a representative from the " executive offices '' of Santander Bank called to speak to me about my dispute. She too claimed to not have access to the call I had with Miss. XXXX stating they don't keep those records more than a year or two, yet she had records of a conversation I had with a Mr. XXXX that took place BEFORE my conversation with Miss. XXXX. The executive representative then acknowledged she had the ability to waive the fees from my account and offered a {$50.00} reduction to them. I told her I wanted all the fees waived as I was promised by Miss. XXXX. She refused and so I asked what will happen if I continue to dispute these fees and don't pay them, she replied they would report it to the credit bureaus as unpaid and open and adversely effect my credit. At this point she then said " I won't be waiving any fees for you and I'm notating your account that way as well ''.
Consumer complaint received 2024-05-19
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)

XXXX, Experian, & XXXX consulting to violate my consumer rights. The account listed as XXXX XXXX Account # XXXX is supposedly being verified by each consumer agency but they do not provide me with the information I keep requesting to follow up with the company to do my own investigation. The consumer agencies are required to do reasonable investigation into each dispute. Furthermore I did not sign up for any services that they provide so under who authority do the consumer agencies have to report this account? It is my belief the consumer agencies are only reporting this information because they make money by selling consumers information. 

XXXX XXXX ( Commission File Number ) XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX XXXX XXXX. 
( Commission File Number ) XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-19
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)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : 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 can not furnish an account without my written instruction 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 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/year>, we received a notice that the interest rate would increase to 23.24 % due to negative creditworthiness. However, on the same day, we also received a letter that our credit line was increased by several thousand dollars due to our credit worthiness. Are banks allowed to contradictorily raise the interest rate for negative reasons, yet extend the consumer more credit for positive reasons? If not, what are our remedies?
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

Someone in Connecticut utilized my information to open a cell phone account. The account went into delinquency and was sent to collections under my name. I spoke with XXXX about the issue, they verified I was not the person who opened the account and expunged the issue. I had XXXX debt collector try to collect this debt and used XXXX as an intermediary to address the issue. Trying to speak to the collection agency was not fruitful and had to open a dispute, which was successful. I know have another collection agency trying to collect on the same debt and they have sent that same debt back to collections. How is XXXX to close out an issue that wasn't mine and has been successfully resolved with the original company if collection agencies can continue to try and collect on something that isn't there and effecting my credit? I am guilty until proven innocent. I have opened another dispute to deal with this new collection agency, how many more times am I to deal with an issue that no longer exists at its point of origin?
Consumer complaint received 2024-05-20
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. (GA)

Remove the hard inquiries from my credit report because of multiple violations of fair credit reporting : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-20
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. (WA)

I am filing this CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer Fico credit report which I do not recognize as a reported and which are the result of identity theft and fraud I have attached the accounts question.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The below account has shown up inaccurately and inconsistent on multiple credit reporting platforms where Ive pulled my credit report! I am demanding the immediate deletion of the account from my credit report under the provision of the FCRA 15 U.S.C 1681 et seq. This account has made approval for a Mortgage next to impossible. And getting this account remove is extremely time sensitive! I have attached examples of the misleading information that was reported! 

XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE XXXXXXXX XXXX AS WELL AS A SECURITY BREACH. 

XXXX IS ONE ACCOUNT OF THREE OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed again my credit report 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. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.