davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, XXXX XXXX XXXX purchased a XXXX XXXX XXXX for over {$46000.00} from XXXX XXXX XXXXXXXX, WA, by opening an auto loan through my Bank XXXX XXXX account using my stolen ID which he purchased on the Dark Web. He has since been caught and is awaiting trial for his crime which included dozens of other victims. Upon learning of the theft, I immediately disputed the fraudulent auto loan with XXXX and XXXX XXXX, but could not log on to Experian to freeze my credit and begin a dispute. XXXX XXXX was able to break into my Experian account, change the password as well as security questions, phone numbers and email accounts. I have tried now for OVER XXXX MONTHS to work with Experian to access my account with them to protect my credit, all to no avail. This is the single most frustrating event in my life, trying to work with this insidiously stupid and uncaring credit reporting company. I have made at least a dozen calls to them, and when finally after half an hour someone answers the phone, they can barely speak English, they can not understand the problem ( " I can not logon to my account because an identity thief broke into it and changed all the information needed to prove my identity. '' " Yes sir, before we can proceed please tell me the name of your childhood best friend. '' " I can't do that because that answer was changed by the thief. '' " Ok sir, you have exceeded the number of log on attempts so I am locking you out of your account for 72 hours. '' The moment, and I MEAN THE MOMENT, you ask them to please not do that yet again or please let me speak to the supervisor... they hang up. EVERY TIME. I have XXXX credit protection, and had their Restoration Department agent listen in on this conversation, and he was openly dismayed at this happening to me- he heard every word. More than that, if I try the " Forgot Password '' technique, it doesn't recognize my personal cell phone #, or email address to send the link to create a new password, despite their customer service agents swearing that they updated that information. When I tell them the message I receive attempting to reset the password, they hang up. EVERY TIME. I even went so far as to mail them a stack of papers, as they requested, to the XXXX, TX address they provided, proving my identity so as to wipe my account clean. No joy, they tell me that resetting the password should work, and when I tell them their program is still looking for the fake phone number and email, they hang up, leaving my acount unprotected and undisputed.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-11-01
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. (AR)

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX also XXXX XXXX talked on phone at length, went XXXX, Experian, XXXX, disputed all, companies gave me trouble, XXXX XXXX I have hard inquiries I'm not sure what is going on, I've been working hard to not mess up credit. Facts I went to XXXX in XXXX got out 3 days ago my phone was taken from police never returned all info identification was in it I need this stuff removed I'm now clean and ready to build good credit please help, all I get from anyone is it's verified well no it's not. Thanks God bless us all.
Consumer complaint received 2023-12-12
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-06
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I noticed on my report that there are several injuries over XXXX and those inquiries are not attached to an account. I do not recognize them and I am concerned because it is causing harm it is violation of my character. I am unable to obtain essential needs as far as a home car personal essential goods with such fraudulent information on my report. At this point I feel threatened I feel as though I am able to live a normal life as a natural human being. Please be advised my rights have been violated there has to be legal action again such bully corporations.
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: Experian Information Solutions Inc. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ) XXXX Balance : {$1400.00} CXXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX  A ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX-XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX CREDIT CARD ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-01
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. (LA)

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  XXXX Late Payment {$29000.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$850.00} XXXX XXXX XXXX XXXX Collection {$850.00} XXXX  XXXX XXXX Charge-off {$810.00}
Consumer complaint received 2023-06-22
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. (WA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-11-01
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)

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 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of all the inaccurate accounts that I would like removed from my credit report. I am in the process of providing a future for my family and unable to get approved for loans due to this issue. Please review all of my documents and remove the accounts listed
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

It's necessary to adhere to FCRA XXXX by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Consumer complaint received 2023-11-01
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. (IL)

To whom this may concern, I have attempted to sent letters XXXX XXXX several times about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring to your attention the violation of my consumer rights by XXXX and XXXX. It has come to my attention that the credit bureaus has placed a collection on my consumer report without providing the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Furthermore, I have not been given the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( G ). This lack of due process denies me the chance to address any inaccuracies or discrepancies in the reported collection. 

I am deeply concerned that the collection agency is violating my consumer rights by using false, misleading, and deceptive means. Such practices are not only unethical but also illegal under consumer protection laws. 

It is imperative to note that the collection agency has no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This act is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I urge XXXX and XXXX to rectify this matter immediately by removing the collection from my consumer report and ensuring compliance with all relevant consumer protection laws. I expect a prompt and appropriate response to this matter within a reasonable timeframe. 

Thank you for your attention to this serious issue. I trust that XXXX and XXXX will take swift action to address these violations and restore my consumer rights. 

Sincerely, XXXX, XXXX
Consumer complaint received 2023-11-01
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have applied for a credit card on the app of Capital one. I applied for XXXX card which has no Annual Fee and when I received the card which is XXXX XXXX card that has Annual fee of {$39.00}. When I called capital one customer service and talked with few agents they said they didn't approve me for the XXXX so they approve for something else that I never applied for and there was no disclosure about the new card before they approve this and sent it to me which came with letter and has nothing about Annual fee. They said they sent me a letter which I never got a letter and asked me if they should send it now! I don't think this is right that they can give me whatever card they want without a disclosure of fees and what I didn't applied for.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third bank failed to negotiate the contract in good faith. Fifth third closed the account without any consideration from their side. Account was terminated after delivery of terms and no fair negotiation took place. Fifth third offered only boiler plate agreements with no apparent ability to negotiate. Fifth third commingled or stole monies from my person.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX