davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-20
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. (FL)

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing inaccuracies on my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and ensuring compliance with federal consumer protection laws. 

I initiated a dispute with Experian on XX/XX/2023, reference XXXX XXXX # XXXX, XXXX, XXXX, challenging multiple inaccuracies present on my credit report. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation into disputes within 30 days of receipt. Furthermore, Section 611 ( a ) ( 7 ) mandates that they promptly notify consumers of the results of their investigations.

Despite my attempts to resolve this issue, I have neither received the results of Experian 's investigation nor any verification information confirming that an investigation has taken place. I sent my dispute via certified mail, with proof of receipt, Confirmation # XXXX and have diligently followed up with Experian on multiple occasions. Each time, I have encountered lengthy hold times, over two hours, assurances that a manager would contact me ( which never occurred ), and a lack of resolution or clarity regarding the status of my dispute.

As the FCRA stipulates, should a credit reporting agency fail to comply with the investigation timelines and verification requirements detailed in Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), they are obligated under Section 611 ( a ) ( 5 ) ( A ) to promptly delete the disputed information from the consumer 's credit report.

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this situation. Enclosed with this letter are copies of my original dispute letter, certified mail receipt, and all relevant supporting documentation for your reference.

I kindly request that the Consumer Financial Protection Bureau investigate th
is matter and take appropriate action to ensure that Experian complies with federal consumer protection laws by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.

I look forward to your assistance in resolving this issue and achieving compliance with the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification you may require during your investigation. 

Thank you for your prompt attention to this matter, and I anticipate a timely resolution. 

XXXX XXXX
Consumer complaint received 2020-12-07
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. (VI)

I have been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the citicard and the XXXX derogatory items from my credit profile.
Consumer complaint received 2024-05-14
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. (FL)

I am submitting in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$11000.00}. Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, update the account and maintain your help in attempting to resolve the current issue.
Consumer complaint received 2023-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (FL)

I received a collection notice from Waypoint Resource Group for an alleged debt owed to XXXX. This is the first I am hearing about this debt. I spoke to comcast customer service around XX/XX/2022 and the agent told me no additional money was due, and I returned the equipment to them. Now over a year later I am getting a collection notice out of the blue. Waypoint is nearly impossible to contact and when I did so, they did not respond. I can not have my credit affected as I am in the process of getting approved to buy a home. So I need this taken care of right away.
Consumer complaint received 2024-05-14
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)

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  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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. (VI)

I have been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the XXXX and the XXXX derogatory items from my credit profile.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2023-10-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666B a creditor may not treat a payment on credit card account under an open and consuming credit plan as late for any purpose.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXX ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY XXXX  SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES.

I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE
Consumer complaint received 2020-11-25
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. (VI)

I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX and XXXX ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

I do not wish restitution from the credit card company. I simply want CFPB to investigate the practices companies and credit card payment companies are using to extort money. 

I had an account with XXXX. I closed it in XX/XX/2023. They continued to bill me the monthly amount. It was paid through my XXXX with Barclay 's XXXX. 

I paid additional months thinking the final payment would go through and be cleared. In XX/XX/2023 I contacted Barclay 's and disputed the charge. After repeated calls they agreed to close my account- the XXXX charge was the only one - and to clear the amount. They didn't. They continued to bill me, adding a fee each month. 

I believe they have submtted this account to credit bureaus and it has caused a XXXX point drop in my credit rating. 

I just finished talking to them again. I paid the amount in order to clear my credit. They were sympathetic but not helpful. 

During several of the calls they asked if I had contacted XXXX to clear the account. It is impossible to contact XXXX. I spent hours on the phone without success.
Consumer complaint received 2020-11-25
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. (VI)

I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX  ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX  and XXXX  ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.
Consumer complaint received 2023-09-20
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-25
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. (MA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-09-20
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i checked my credit report and have a late payment reporting from XXXX XXXX XXXX XXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XXXX I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me statements where I could see if I had a balance due and by when it was due to be paid. In XX/XX/2024 I went to make a purchase and realized I only had my XXXX card on hand, so I made a small purchase of {$28.00} ( or {$38.00} ). I had forgotten about the purchase since I rely on receiving statements for my credit card bills so I can review them for accuracy and pay them before the due dates. It was only until I received a notice from my bank, XXXXXXXX XXXX XXXX XXXXXXXX program alerting me to a missed payment, that I was informed of the charge being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it detrimental on my mental health, but also a violation of my rights as a consumer.
Consumer complaint received 2024-04-25
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)

" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX :XX/XX/XXXX NSS : XXXX SECURITY FREEZE