davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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. (CA)

As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, XXXX and Experian function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as XXXX and Experian. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies.

Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.
Consumer complaint received 2024-04-22
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (FL)

The company January has started emailing me repeated threats in an attempt to force me to enter into a contract with them.

I have never provided January with my personal and private information including email address, phone, or any information regarding my private credit transactions past or present. 

This is a formal notice of dispute and a cease and desist. I find this very embarrassing and humiliating to be contacted on my work email that are harassing. This is a violation of my consumer rights. Per the Heroes act, I should not be targeted, punished, or have my credit profile negatively affected by an agency who is clearly breaking my right to privacy.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed immediately :
Consumer complaint received 2022-12-22
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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. Please update the following items that are harming my credit : 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 2024-04-22
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. (NC)

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson Cruz & Associates LLC (CA)

On XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX flagged my credit account as collections without properly notifying me of this debt and never sent a debt validation letter. This law firm did not inform me of any legal action taken against me by any creditor or debt collector. I do not even know who this debt collector is and do not have any knowledge of a debt owed to such collector. XXXX XXXX XXXX XXXX, XXXX is threatening to sue me for {$250.00} in attempts to collect a debt for a creditor by the fictitious business name XXXX. I am not in contract with XXXX XXXX XXXX XXXX, XXXX nor do I owe any obligations to XXXX XXXX XXXX XXXX, XXXX or any creditor who is attempting to collect a debt through this third party.
Consumer complaint received 2024-04-03
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. (IL)

Subject : Notice of Dispute - XXXX XXXX To Whom It May Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account XXXX XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of Experian to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC (ID)

This company fraudulently sued me for old credit card debt in the wrong jurisdiction. They were sending mail and legal documents to an address that is not mine, but that of my bosses HOME address in OREGON. She " returned to sender '' everything, because I do not live there. 

XX/XX/XXXX I received an entry of judgement from the XXXX XXXX court house. My boss brought me the letter because she thought it was important. It was an entry of judgement and a lien put on my property because I didn't respond to the lawsuit. This company didn't even give me a fighting chance to respond, not only that, they sued me in the wrong jurisdiction. I live in Idaho, the lawsuit went through Oregon. 
I immediately called the courthouse, they gave me the phone number to the " lawyer '' and I called. This is a call center. I spoke with a XXXX the first time I called. He couldn't tell me why they were sending communications to an address that is not mine. I asked him several times, couldn't get an answer. 
I called back a second time that day and spoke with XXXX. She informed me the suit was XXXX XXXX XXXX for XXXXXXXX XXXX Couldn't give me dates on when debt was from. I asked for a settlement offer, to get this taken care of because these people now have a judgement wrongfully against me and I don't have money for a lawyer to fight this. Settlement offer is for XXXX. 
I called today, XX/XX/2024, to pay the settlement in full. I spoke with XXXX again. He took my routing and account information for payment in the amount of XXXX. He could not give me a confirmation number but said a letter would be sent to me. I then asked him when the court would receive satisfaction of judgement and the release of lien, he couldn't answer that with confidence, either. 
These people knowingly sent correspondence to a wrong address just so they could take it to court and win a judgement against me because they knew I wouldn't receive it. This is fraud!! They gave me no fighting chance to even respond to anything!
Consumer complaint received 2023-12-10
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 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per 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 & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name XXXX as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have an existing complaint regarding the closure of my account but now we have a new issue Wells Fargo issued a cashiers check in the amount of {$47000.00}. To me, and they refused to honor the cashiers check.. I have tried to get money off of the cashiers check I have XXXX XXXX and I also am undergoing XXXX testing. I need this money for my medical treatment and for my traveling expenses, staying in hotels, while I am being tested and getting treatments. This is my whole life savings I was contacted regarding my case I filed two days ago. They said it would be handled expeditiously now theyre telling me its gon na take another month. Unacceptable.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-10
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. (TX)

Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that I am a victim of identity theft, and as such, I have submitted detailed information to the Federal Trade Commission ( FTC ) outlining the unauthorized accounts and inquiries associated with my name. I am writing to request the assistance of the Consumer Financial Protection Bureau in rectifying this situation. 

The unauthorized accounts on my credit report do not reflect my financial activities, and I firmly believe that I should not be held responsible for them. I have diligently followed the prescribed procedures for reporting identity theft to the FTC, providing all necessary documentation and information. In light of this, I kindly request that the Consumer Financial Protection Bureau ensures the prompt removal of these unauthorized accounts and inquiries from my credit report. 

I have attached a copy of the documentation I submitted to the FTC for your reference, including the Identity Theft Report and any supporting evidence. I trust that, with your intervention, we can rectify this situation promptly, protecting my rights and preventing any unwarranted damage to my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if additional information is required or if there are any further steps I need to take. 

Thank you for your assistance in addressing this identity theft issue.
Consumer complaint received 2023-04-27
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: Nelnet, Inc. (CA)

I DO NOT CONSENT TO YOU SHARING MY PRIVATE INFORMATION WITH THIRD PARTIES, INCLUDING BUT NOT LIMITED TO, CREDIT REPORTING AGENCIES AND OTHER COMPANIES. I DO NOT HAVE BUSINESS WITH THOSE COMPANIES AND I DO NOT CONSENT.
Consumer complaint received 2024-04-03
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. (IL)

Subject : Notice of Dispute - XXXX XXXX XXXX XXXXXXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account XXXX XXXX XXXX XXXXXXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account XXXX XXXX XXXX XXXXXXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX XXXX XXXX XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX XXXXXXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that Experian has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Consumer complaint received 2023-12-11
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. (TN)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX