davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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)

Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of {$1000.00} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of {$1000.00} ( {$1000.00} per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of {$1000.00}. 

This matter is of extreme urgency. Experian has a period of 10 business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

At least XXXX incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

those are hard inquiries from CAPITAL ONE AUTO XX/XX/2023 CAPITAL ONE AUTO FINANCE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Riverwalk Financial Corporation (ID)

I was a student at XXXX College at the XXXX XXXX campus. I was a student there from XX/XX/XXXX- XX/XX/XXXX. That date may vary by a few months. I can not get the information about the school due to the school shutting down and there being no way to contact them since they do not exist. Recently, I my credit has taken a hit because over {$15000.00} in private loans was sent to collections with my already incurred XXXX in federal loans in a student deferment. The school was closed due to accreditation fraud, false promises of employment and false price advertising for the education. They also, just before the school shut down, switched companies in which my loan was through to force us to pay even after the school was shut down. None of my credits transfer from this school, the degree is worth nothing, and I am sitting with over {$50000.00} in debt that I have nothing to show for. This school underwent a large class action lawsuit by the XXXX Attorney General. The class action won and the school still continued to show false promises. I enrolled in the school one and a half years before its closure and graduated, at most, a month after its closer. All I am asking for is to see if there is any way that these false loans can be taken away or if I should fight it. 
I have also been contacted my a number of other companies that have promised to take care of my loans and all of which, some to find out, have been scams. The most recent ones is XXXX XXXX XXXX. These companies, according to the Federal Department of Education, have no ties to any legitimate organization and should not be trusted. 
I will be able to provide information but I am waiting for it to arrive from home as I am away at college.
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.
Consumer complaint received 2018-05-11
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: EQUIFAX, INC. (CA)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America credit card was used for a fraudulent {$170.00} charge at XXXX XXXX number XXXX in XXXX NJ. My claim was denied by BoA because they somehow determined my physical card was used. This is impossible because I the card was with me and my card must have been copied or skimmed somewhere. I just opened a police report with XXXX XXXX and am registering a complaint with CFPB as this is outrageous. At the time the fraudulent charge occurred, BoA actually sent me an alert text message asking me if I approve the charge. This means BoA itself knew this charge was potentially fraudulent immediately! My claim denial makes no sense and others / BoA need to be aware of how long time customers ( since XXXX  ) are treated.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX/XXXX XXXX XXXX  # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Nelnet Bank Refinance Account number XXXX I refinanced my federal student loan on XX/XX/, I have sent in multiple extra payments specifically asking the bank to apply to my principal. After making my obligated monthly payment, I requested every extra payments be applied to my principal via emails, verbal conversations by phones and writing on the check and they are refusing to do so and applying mishandling my extra payments.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This Account have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID
Consumer complaint received 2023-10-19
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)

I have unauthorized accounts on my consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (NJ)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (GA)

Sent letters to Experian, XXXX, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation.

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to get an annual credit report. I did not realize I was in an Ad for TransUnion and order my credit score for {$1.00}. On XX/XX/2020 TransUnion took {$24.00} out of XXXX XXXX. I did not give them authorization. This is illegal they are stealing money from consumers. I already have a Identity Theft Monitoring Protection Program.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I call the number listed for customer service for the Bank of America EDD Debit Card, the call will either route me somewhere and then hang up, or it will simply hang up upon selecting the " lost or stolen card '' option ( which is the only option available when calling XXXX ). This is the only customer service number listed for this type of debit card. They are not answering calls so nothing can be done in the first place. 

Bank of America was supposed to send me the debit card when EDD sent its first payment on the card. However, it has been weeks now, and still no card, no customer serivce to talk to, no money, but much frustration because you can get through to no one. It is almost like they are not answering the phones on purpose. Although the recording says they have a high volume of calls, I have tried calling at various different times including XXXX : XXXX., XXXX XXXX, XXXX XXXX. XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and XXXX, all ending in the same manner, being disconnected on the other end of the call.
Consumer complaint received 2024-03-04
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.