davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (CT)

Apparently and unfortunately I have an adult son with the same first and last name. He has confirmed that he in fact obtained services from a photography company in XXXX. I knew absolutely nothing about his personal or professional business with this company as I live in the State of Connecticut. I had an impeccable credit score until one day my wife and I received a collection notification in XXXX stating that I owed over {$3000.00} to XXXX XXXX XXXX for a debt owed to The XXXX XXXX XXXX. I never received a single bill or credit application alert. I tried to explain to all three entities ( Credit Bureaus plus the collector and the agency directly ) that that was impossible since I did not have any photos taken at any point with this company. The agency did confirm that the person they conducted business with was was younger than I. No assistance was provided and they still haven't guided me on what steps need to be taken to have them report the remove this charge that doesn't belong to me. Experian did an " investigation '' which did not resolve the matter and refuse to provide any additional assistance. 

I had my credit profile locked during this time, so I'm not sure how this even happened. I am also completely baffled with trying to figure out how the debt was even originated. ( i.e credit, general bill, use of SSN etc. ) None of which was explained to me. I would like to report fraud on my report and I will take whatever legal actions necessary if this matter is not corrected.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (TX)

To XXXX XXXX License State board of Pennsylvania Legal Compliance Common Wealth Financial System Inc. Be advised, XXXX XXXX never received itemized bill forward XX/XX/2019- XXXX/XXXX2019. No cover letter enclose showing the amount of debt no Hippa report conveying common wealth System system inc rights to XXXX XXXX medical information we will contact the facility as to the information to your request as named on the consumer file in reference to sign Hippa report verification. date original amount unpaid amount. XXXX XXXX you agree you are a business associate of name claim holder not a purchase of medcial information for profit as a third party.
Consumer complaint received 2024-05-09
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)

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 2024-05-09
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. (OK)

I hope this message finds you well. I am writing to bring to your attention an ongoing issue with a late open account on my credit report that requires immediate resolution. I have thoroughly reviewed my financial records and can confirm that this account should not be active or associated with my credit profile. 

As maintaining an accurate credit report is crucial for my financial well-being, I kindly request an urgent investigation into the late open account and immediate action to correct this error. Additionally, I seek transparency regarding the steps taken during the investigation process and a clear explanation for the continued presence of this inaccurate information on my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$7200.00}.
Consumer complaint received 2018-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. 
Thank You
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Ive been with XXXX XXXX for almost XXXX  years. When I purchased my car my agent recommended the XXXX XXXX bank so I refinanced my car through XXXX XXXX bank for a better interest rate. All was fine until XXXX XXXX bank was bought out by a 3rd party company called XXXX, XXXX. Last XX/XX/year>, I made a payment and something happened and my payment was reversed. I didnt not know anything happened to my payment until I go a notification of a change to my credit report and that my credit score went down XXXX points. I contacted the company and they stated that sometimes they send out robot calls. I said would they have at least left a voicemail because this was around tax time and unless a voicemail was left people are skeptical of answering XXXX number phone calls. She stated that it depended on if the robot caught the voicemail right it would have left a message. I did not receive any voicemail. So no point of contact was made, no voicemail, no email or a letter in the mail. So instead of reaching out to a customer they reported it with not contact. I have had this loan for XXXX years at this point. I always make payments on time and never have had a negative thing hit my credit and this cost me XXXX points. That was a little extreme. I filed a dispute through experian as well as the consumer financial to no avail. I am just wanting the company to take this off my credit since the lack of communication is what resulted in the payment being late. Had I been contacted I could have figured out what happened with my bank and made sure it was paid. Its not fair that my credit to a hit due to not communication on the companies end. Fast forward, I have spoke with the company and filed numerous disputes. However, the last dispute I received a letter stating that the payment was taken out on XX/XX/year> and it resulted in an NSF. I pulled my bank statements and on XX/XX/year> it shows as of that date I had money in my account. If their information is correct I am not sure why there was a problem with my bank since their was money in my account. I received no phone call, letter or email informing me of the payment being mess up. I had the loan for almost XXXX year at this point and payments had been made every month. 

I have attached the letter I received from the company as well as my bank statement including dates from XXXX.
Consumer complaint received 2024-05-09
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
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. (FL)

XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Consumer complaint received 2024-05-09
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
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. (OK)

I am writing to address the persistent presence of fraudulent items on my credit report and to request immediate action to have them removed. I have made previous attempts to address this issue through your dispute resolution process, submitting disputes. However, despite my efforts, the fraudulent items remain unresolved, negatively impacting my creditworthiness and causing undue stress. 

As a responsible consumer, I am committed to maintaining an accurate credit report and ensuring the integrity of the information it contains. Therefore, I kindly request a thorough investigation into the fraudulent items and immediate action to have them removed from my credit report. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-09
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NC)

To Whom It May Concern, I am writing to file a formal complaint regarding a significant issue with American Express ( Amex ) related to an unauthorized direct deposit. 

On XX/XX/scrub>XXXX a direct deposit of {$54000.00}, which was intended for me as part of my XXXX XXXXXXXX compensation, was mistakenly deposited into an American Express account. I have recently discovered that this account is not in my name, and I do not have any access or authority over this account. The funds were directed to this account without my knowledge or consent. 

Despite my attempts to resolve this matter with Amex, I have been unable to access the funds or correct the error. It is deeply concerning that Amex accepted and processed a direct deposit into an account that I am not associated with in any way. This situation has caused significant financial hardship, as these funds are critical for my personal needs. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in recovering the misdirected funds. I also ask that Amex be required to implement stronger verification procedures to prevent such errors from occurring in the future.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you with great concern and frustration regarding the persisting inaccuracies on my credit report, particularly in connection with an account held by XXXX XXXX and a collection reported by XXXX XXXX XXXX. Despite multiple disputes and providing irrefutable evidence of the following inaccuracies : 1. An address I have never lived in. 
2. Information I have no knowledge of. 
3. Discrepancies in my consumer report upon different timeframes. 

It is evident that both XXXX XXXXXXXX and XXXX XXXX XXXX  are consistently in violation of several critical sections of the United States Code, specifically : 15 U.S. Code 1692b ( 2 - 5 ) : The Fair Debt Collection Practices Act strictly prohibits false or deceptive practices when reporting information to credit bureaus. XXXX XXXX actions in this regard are inexcusable. 
15 U.S. Code 1692c ( a ) ( c ) : XXXX XXXX XXXX reporting of a collection that I have absolutely no knowledge of raises serious concerns about their adherence to the law. 
15 U.S. Code 1692g ( a ) ( 1-5 ) : I have not received adequate validation of this alleged debt from XXXX XXXX XXXX XXXX a clear violation of my rights under this section. 
15 U.S. Code 1681 ( B ) ( i ) ( ii ) : Both XXXX XXXXXXXX and XXXX XXXX XXXX have failed to accurately report my information, including the false address and information that I have repeatedly disputed. 
15 U.S Code 6801 ( a ) ( b ) ( 1-3 ) : XXXXXXXX XXXX inability to safeguard my personal information, as indicated by the inaccuracies on my credit report, raises concerns about potential identity theft and is a violation of the Gramm-Leach-Bliley Act. 

In addition, XXXX XXXXXXXX may be in violation of 15 U.S. Code 1681c ( a ) ( 1 ) ( B ), as they have continued to report information that I believe to be inaccurate and potentially fraudulent, further exacerbating my distress. 

Given the egregious and repeated violations of these consumer protection laws, I demand an immediate deletion and removal of the disputed information from my credit report. It is my right as a consumer to have accurate, fair, and lawful reporting, and I insist on the restoration of my credit integrity without further delay. 

I am determined to resolve this matter swiftly and to put an end to this ongoing ordeal. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC (ID)

I used to work for this company, they require absurdly high payment be made biweekly. I got sick and went on XXXX and have to request or be late on a few payments. The most was 12 days, I believe. This company doesnt repossess someone who communicates with them, nor is it legal to threaten repossession on a voicemail when the account is only 3 days late. 
Ive requested and offered numerous payment plans only to consistently be met with aggression and threats. 
They continue to threaten to repossess my car, saying theyve been so gracious when all I ever receive are nasty text messages and voicemails when the account is less than a week past due.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX
Consumer complaint received 2024-08-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MI)

On XXXX XXXX  2024 a payment from VA was sent to Comerica bank to be put on my direct Express card for XXXX I contacted the VA to inform them it was sent in error and XXXX request were sent by treasury on XX/XX/XXXX and XXXX to return the funds Comerica refuses to honor those requests I was informed today by the bureau of fiscal affairs Treasury XXXX to file a complaint with your agency
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

XX/XX/2023 - submitted a request for loan consolidation and income driven repayment plan. 

XX/XX/2023 - XX/XX/2023 - During this time, I have contacted Edfinancial by phone, chat, and email more than 20 times and have received no response. My student loan payment is now past due because they have not processed my application and will not provide me with any status update.
Consumer complaint received 2024-08-22
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)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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 reviewed my credit report recently and I noticed there were multiple inaccuracies. 

I contacted Experian, XXXX, and XXXX via telephone and by mail to dispute these unauthorized accounts. 


US Department of Education US Department of Education US Department of Education Dept of ED XXXX XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information. 
According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the Gramm-leach -Bliley Act, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate XXXX loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this Act. 
15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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.