davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX {$1300.00} and XXXX XXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (TX)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-13
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: NAVY FEDERAL CREDIT UNION (MO)

This company is reporting to the credit bureaus inaccurate information about an account that was sold to a collection but the company is still trying to collect on a debt and also reporting negative information on my credit that i have disputes numorous of times but they said they verified the debt.
Consumer complaint received 2024-03-25
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 (OH)

Alerted Bank of America on XX/XX/XXXX about charges made without my permission. Filed police report for fraud on XX/XX/XXXX. Was notified that this person had charged my credit card for work they said he had done. I explained that this was not an authorized charge and no work had been done. Previously I had paid a bill to him with my credit card more than a year ago. He retained my credit number and fraudulently paid himself {$5000.00}. After review Bank of America denied my claim and said to continue I had to provide the following : On XX/XX/XXXX Bank of American then requested I provide all documents of work completed on my property to show this contractor did not do any further work. Plus, how does any of this determine whether I authorized a transaction? In fact, the reason I discontinued using this contractor was because of his questionable work practices, which is right in line with this fraud which i reported immediately. Bank of America further told me ( on XX/XX/XXXX ) that anytime i pay a merchant with a credit card ; I have now authorized them to charge anytime they want and it is not fraud ( yes they said that ; please pull phone records from XXXX employee number Id XXXX on XX/XX/XXXX at approximately XXXX. eastern time. ) Police report number is XXXX filed XX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I requested Experian on serval times to removed inaccurate an incomplete information to prevent fraud and to protect my privacy. This is causing me stress and XXXX  These account are reporting incomplete and balance is inflated and there is someone else social attached to my report which causes me sleepless nights. Its there grave responsibility to make sure what they report and share in correct and accurate. I request a reinvestigation and also to be sent procedures of reinvestigation of these accounts.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (OH)

XX/XX/2023 : Recieved a notice of Garnishment from local court from Stenger and Stenger. I had not been previously contacted by them for possible legal action. 
XX/XX/2023 : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/2023 : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/2023. I also recieved a letter that same day stating Stenger and Stenger was going to debit {$75.00} from my bank account. 
XX/XX/2023 : Stenger and Stenger is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.
Consumer complaint received 2024-03-25
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)

Account XXXX XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have many issues with how XXXX, XXXX, and Experian are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX  XXXX {$620.00} XXXXXXXX XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Consumer complaint received 2023-04-13
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. (CA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. Experian failed to accept my consumer complaint which is a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. I mailed them letters requesting investigation and validation of items reported by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  and XX/XX/XXXX. The letter was sent by me and included a copy of my driver 's license, social security card, and piece of mail to verify my identity and address. 

Experian responded by stating that they will not take " any action on my alleged request '' because they believe that it " does not appear to have been sent directly by me or to be authorized by me. '' I contacted Experian on XX/XX/XXXX and XX/XX/XXXX, and was transferred both times to 4 different individuals who said they refused to work on anything on my report until I sent them a cover letter and a copy of my driver 's license and social security card. I told them that all the letters included a cover letter and all those items but they said I need to send a Power of Attorney too. The letters were sent from me. There is no one to give Power of Attorney to. 

They refused to investigate.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

Filed credit card dispute with TD bank XX/XX/23 for an amount of {$980.00} for a purchase I did not make. I reported that I had the credit card in question at the time of purchase, whoever the purchase was made in XXXX somewhere in XXXX XXXX where as I reside in XXXX XXXX XXXXXXXX with no transportation available to me to go to New jersey for any purchases. I am an elderly woman and try to get all my necessities near where I live. I got a response back from TD bank XX/XX/23 where their investigation concluded that no fraud was detected because as they said, " You advised your chip card was in your possession, during an in-person transaction. '' I am unable to pay such a big amount, especially one I did not make, and have asked TD to reinvestigate at least twice and they continue to deny my request.
Consumer complaint received 2023-04-13
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. (GA)

On XXXX XXXX XXXX I sent a letter via United States Postal Service to Experian, exercising my right as a consumer according to the Fair Credit Reporting Act physical verifiable proof of several accounts on my Credit Report. I then received an email on XX/XX/ ; they recently received a request not sent directly by me. In my letter, I included a copy of my driver 's license that has my current address. I believe this was a stall tactic, as when I called on XX/XX/, they were now requiring me to send a copy of my Social Security Card or utility bill ; my Social Security Number was on the letter that was sent. I thought this was crazy and a stall tactic, as they had the proof to verify me, nor did they give those specific instructions in the email. I'm exercising my right as a consumer and demanding the proof I requested.
Consumer complaint received 2023-04-13
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. (NJ)

I sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-03-25
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)

I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2024-03-25
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I did not receive statements from ( XXXX  XXXX XXXX  XXXX ) 21 days before. the due dates for the months of ( XX/XX/24 & XX/XX/24 ). According to the FCRA, 15 USC Code 1681a creditors must send statements at least 21 days before the due date to allow consumers sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out 21 days prior to the due date. Please provide tracking #.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, 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 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 2024-03-25
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. (NV)

I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous reports that were not open by me this has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Thanks in advance