davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (CA)

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX had reduced my XXXX XXXX XXXX XXXX from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a court case versus XXXX XXXX XXXX. On XXXX XXXX 2022 In the county court of the XXXX XXXX XXXX XXXX XXXX XXXX... The case was dismissed on my behalf but XXXX XXXX XXXX. has been currently reporting {$2000.00} the negative debt on my credit report is inaccurate the case has been dismissed by the judge.and the account needs to be removed off of my credit report from all three credit bureaus. Experian, XXXX, and XXXX
Consumer complaint received 2023-11-17
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-17
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)

I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
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. (TX)

Experian is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXXXXXX XXXX furnished payment history for the account and reported to Experian that my account was last paid XX/XX/2022. However the balance history reporting on Experian does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. Experian stated that the account remains along with this explanation " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is XXXX evidence that the account has been reported inaccurately and that said evidence can be found within the account information on Experian. Experian 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.
Consumer complaint received 2023-11-17
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-17
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. (NC)

XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, PayPal ID : XXXX My name is XXXX XXXX XXXX XXXX and Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. 

I primarily use my PayPal for savings so I can earn a 4.15 % APY. In addition everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XX/XX/2023 : XXXX $ received from XXXX XXXX XX/XX/2023 : XXXX $ received from XXXX XXXX XX/XX/2023 : XXXX $ received from XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window.

Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. 

Sincerely, XXXX XXXX XXXX XXXX ( CONFIDENTIAL )
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.
Consumer complaint received 2023-11-17
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)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX {$2200.00} I have XXXX section 8 the rent was stopped due to landlord not making repairs to the unit. Landlord had 30 days to complete the repairs, it was not done until 3 months later. 
XX/XX/XXXX {$1700.00} same reason as above statement this report should not be on my report.
Consumer complaint received 2023-11-17
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)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (DC)

I am attempting to have Experian change a landlord debt to mortgage based on the record with the bank and other tax records. Experian has falsely reported this information to XXXX which says that Experian is not changing the information. 


Consumer Attorneys- Dispute to XXXX XXXX  Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX , I got a response from our attorney about the issue with your XXXX  XXXX report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello XXXX XXXX, My name is XXXX XXXX, my date of birth is [ your dob ], and the last 4 of my social are [ last 4 digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last four of your social and send this template in an email to XXXX XXXX at XXXX Keep me posted on any responses or other correspondence you receive from XXXX XXXX. 



If you have any questions, let me know
Consumer complaint received 2024-04-16
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)

I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.