davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (MI)

XXXX  created a FALSE DEBT by claiming i am EMPLOYED as a XXXX  with the XXXX XXXX XXXX XXXX. i am actually XXXX and unable to work. numerous GOVERNMENT DOCUMENTS EVIDENCING that i have NEVER BEEN EPMOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX have been provided. the social security administration has provided a certified letter stating i was never EMPLOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX has also provided a statement that i was never employed by the XXXX  XXXX XXXX XXXX. experian refuses to remove the demand from my credit report. experian is in violation of numerous rules and laws. 442 USC 659 ( h ) 1 ) ( B ) ( iii ) specifically prevents the use of veterans compensation ( title 38 payments ). 38 USC 5301 specifically prevents use of veterans compensation in any legal process. more importantly, 5 CFR 581.103c7 and 5 CFR 581.102 and 104 as well as 38 CFR 3.458 prevent experian from allowing XXXX  to impose the illegal demand for payment. the most important rules are 15 USC 1672 and 15 USC 1673, which are clarifying that i have to EARN money from employment or retirement. i am neither employed or retired. i have no income, as verified by the social security administration. the state of XXXX  is CLEARLY stating i am employed by the XXXX  XXXX XXXX XXXX, which is FALSE. the demand must be removed because it is based on employment i never had. THEY WERE PROVIDED DOCUMENTATION THAT I AM TOTALLY AND PERMANENTLY XXXX AND UNABLE TO WORK. if it were legal to use my veterans compensation, the state of XXXX  wouldnt have had to create a false job. please remove the demand, because XXXX and XXXX adhered to the law. experian is the only rogue reporting agency allowing this destructive demand to continue on my very clean report. i do not and can not have the money the state is demanding because i do not and can not work. XXXX  specifically targets XXXX persons in orders to create welfare cases for healthy persons under 42 USC 658 ( 4 ) ( D ). this criminal conduct discriminates against the XXXX veterans and deprives them of the extensive protection created by law to defend injured persons. experian has behaved in a criminal manner and should be penalized according to law. i believe the instant remedy is a penalty of {>= $1,000,000} against Experian for refusing to remove the demand, which has been proven to be created through false information.
Consumer complaint received 2024-01-04
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DC)

In XX/XX/XXXX, a number of transactions have been delayed without any information from the bank branches. The delay is not seen with other banks. I have had over 6 transactions delayed and late fees added - XX/XX/XXXX.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX loans are still appearing on my credit reports ( Experian and XXXX ) as active. These loans were discharged through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary XXXX days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

In my credit report accounts are reported that I do not recognize, Porfolio recovery # XXXX I do not have an account with them XXXX # XXXX I do not have an open account with them. XXXX XXXX # XXXX I do not have an account with them. Also requests for credit that I have not made XXXX-2017 XXXX XXXX, XXXX-2017 XXXX / clear I need to not mix in my credit report someone else 's information and addresses.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-01-04
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (IN)

I received and email this morning from XXXX XXXX that I had a late payment that was reported to them from Mountain America CU. It was for a missing payment for a credit card or account that was opened in XXXX of 2023. It said I had missed a payment and I was late anywhere from XXXX days. The balance on XXXX XXXX  says {$750.00} with a credit limit of {$9000.00}. I immediately called the credit union and spoke to their fraud department who verified my information and that this appeared to be a fraudulent account. They then gave me instructions on where to go from here, filing a report and reaching out to the credit bureaus to freeze my accounts for reporting until this suspected identity theft is resolved. I was instructed by the company to email them my information and this case number so they can proceed with resolving this issue.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time.

The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report.

I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One 360 refuses to reissue a close out check for funds owed in the amount of {$4200.00}. Numerous past CFPB complaints were filed with information showing whereabouts at time check intercepted by third party, signature forged on it, cashed in my name without consent. Initial check had a stop payment placed on it prematurely, a second replacement check was sent via XXXX second day while I was in XXXX XXXX. I also provided copies of three checks issued, two of which show my correct signature, third one shows a forged signature which Capital One reps refuse to investigate despite numerous requests to do so. Since no check will be reissued, signatures not reviewed, I require an address to file a notice of small claim suit which I've also requested via past CFPB complaints, was not provided. Further, attorneys representing me in data breach also have information detailed above, will recover loss via litigation if not through small claims.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
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. (MI)

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-15
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. (CO)

I am trying to purchase a house, I realized that I had damages on my credit report. Accor the the 15 USC 1681 law there should not be any damages on my report its a defamation of character.
Consumer complaint received 2024-01-04
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). I have diligently attempted to address these issues directly with Experian, but my concerns have not been adequately addressed, necessitating your intervention. 

My name is XXXX XXXX XXXX XXXX XXXX, and I am currently experiencing significant inaccuracies on my credit report, as maintained by Experian. The discrepancies include, but are not limited to : Non-mailable addresses inaccurately listed on my credit report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX and sole address that should be reflected is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect reporting of my full legal name as XXXX XXXX XXXX XXXX XXXX and an inaccurate date of birth ( XX/XX/1996 XXXX XXXX 

I have made Experian aware of these inaccuracies in accordance with the FCRA, specifically 15 U.S. Code 1681s2, which obligates furnishers of information to consumer reporting agencies to correct information that they know or have reasonable cause to believe is inaccurate. 

Despite my notifications, Experian has failed to rectify these issues, prompting me to seek your assistance. Furthermore, I have expressed my intention to pursue legal action, including small claims, against Experian for violations of the FCRA. I am seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. 

I also want to bring to your attention that I do not consent to e-Oscar or any means of automated verification. I am closely monitoring every aspect of this investigation, including tracking numbers on certified mail, the expected response date, and other relevant details. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action against Experian for its failure to comply with the FCRA. 

Thank you for your prompt attention to this serious matter, and I look forward to a resolution that upholds consumer rights and fair reporting practices.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On or around XX/XX/XXXX, I discovered that on my Experian credit report, my student loan ( approximately $ XXXX ) was mistakenly shown via two separate Department of Education loans ( one with XXXX  and one with XXXX ) and I submitted a dispute on their website. The other XXXX credit reporting agencies do not ( mistakenly ) have the XXXX loan designated as open like Experian ; nor is the total student loan balance double the actual amount as it is on the Experian credit report. 

The XXXX loan was transferred to XXXX effective XX/XX/XXXX. XXXX sent me notification of the transfer of the loan to XXXX, confirmation that the XXXX loan has a XXXX balance ( due to the transfer ) which confirms that the XXXX loan is closed. Experian responded to my dispute by verifying the information I submitted was accurate, but Experian failed to correct the inaccurate information my credit report by closing the XXXX loan. Instead, Experian took some other action ( adjusting the initial balance of the XXXX loan ) which is irrelevant and unhelpful because the loan needs to be designated appropriately as closed/transferred. 

On or around XX/XX/XXXX, after a follow up call to Experian during which I explained these circumstances to no avail, I submitted the two documents from XXXX described above to substantiate my claim in a second dispute. On XX/XX/XXXX, Experian responded by informing me again that they verified that the information I provided was accurate. However, once again, Experian failed to correct the inaccurate information by designating the XXXX loan as closed/transferred which is apparent from the documents from XXXX as well as my loan payment history. 

Experian is ignoring the obvious, that the loan I had with XXXX is closed due to the transfer to XXXX. As a result, I am impacted by the impact of this inaccurate information, and Experian has not been helping despite my multiple attempts to update my credit report even though they acknowledge the information above is accurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-09-13
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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-04
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I have previously disputed with Experian and in response they verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is they do not give information out. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately