davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2024-04-03
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. (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 XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2023-03-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

i called the collection company they did not have my name correct or the address or the phone number. i told them the account is not more. they are reporting the account was open XX/XX/XXXX then when i called they said the account was back in XXXX. 
XX/XX/XXXX XXXX the compant name is i.c system they want me to pay they collection agency.
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (DE)

Applied for a loan online with One Main Financial. Went to physical location of lender to complete documents. 
I have been making my payments on time but have been receiving harassing calls for me to sign additional documents.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

THIS IS THE 3RD TIME I AM REPORTING AN ISSUE WITH BARCLAYS AADVANTAGE AVIATOR RED MASTERCARD CREDIT REPORTING PRACTICES. 

XXXX XXXX AND XXXX SHOW THAT BARACLAYS REPORTED THAT I MISSED THE XX/XX/2023 PAYMENT. I IMMEDIATELY CONTACTED BARCLAYS TO INFORM THEM THEY WERE ERRONEOUSLY REPORTING A MISSED XX/XX/2023 PAYMENT. THEY INFORMED ME THAT ALTHOUGH THEY RECEIVED MY PAYMENT ON XX/XX/2023, I WAS REPORTED FOR A MISSED PAYMENT BECAUSE THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WAS RETURNED, SO THEY REPORTED XX/XX/2023 AS BEING MISSED. 

MY MONTHLY PAYMENTS ARE DUE THE XXXX OF EACH MONTH. I WAS DELAYED IN MOVING THE MONEY TO THE XXXX ACCOUNT USED TO MAKE THE BARCLAYS PAYMENTS SO ALTHOUGH THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WERE RETURNED, THEY RECEIVED THE PAYMENT MADE ON XX/XX/2023. I SUBSEQUNTLY PAID OFF AND LOCKED THE CARD ON XX/XX/2023.
Consumer complaint received 2023-12-09
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. (FL)

I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802.

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law.

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization.

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA.

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft.

In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX  XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX Account Numbers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Numbers : XXXX I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-03
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. (MA)

In accordance with the Fair Credit Reporting Act this Creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with the regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 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 2023-12-09
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. (TX)

I sent a letter on XX/XX/XXXX to Experian. To remove personal information that doesn't belong on my credit report. I also filled an ID theft report on XX/XX/XXXX. I submitted a complaint with the CFPB on XX/XX/XXXX to Experian about the issue # XXXX. Also, Experian continues to violate FCRA 15 USC 1681 laws. One more problem is Experian has yet to correct these issues. It seems that they will continue to violate the law and my issues. Someone needs to hold them accountable.
Consumer complaint received 2024-04-03
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 recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, XXXX and Experian.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax has deleted 2 Credit Card Accounts that are current and in very good standing. They are my XXXX XXXX cards ( XXXX & XXXX ) Credit history length is a large factor in my credit report and both are about a year old and now DELETED no reason given.
Consumer complaint received 2023-12-09
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. (KY)

My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-10
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. (TX)

on XXXX XXXX XXXX  i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and 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. 


list of accounts 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
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: Bread Financial Holdings, Inc. (CA)

I had a battle with XXXX a few months ago and missed a payment beyond 30 days. This was since credit reported. I sent a written request explaining the hardship as a result of falling ill to XXXX  and landing in the hospital for a few weeks causing my payment to be missed. I have and have great payment history otherwise. The request was denied and negative credit reporting continues.
Consumer complaint received 2023-04-30
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. (OH)

In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -Nelnet- Account # 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 

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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
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. (TX)

on XX/XX/ I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts 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  15 u.s.c . 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (AL)

I have dispute a debt with Security Cred regarding account # XXXX and told this company that this debt is no mind and ask them to send me a debt validation and a sign contract. To no avail, I haven't received any correndence. They address that they have is wrong. I received an email from them with an address that I have never lived.
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 — 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 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 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 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I purchased and XXXX  on XX/XX/2023 but the device was never received. I called and informed them of this and they cancelled the order and refunded me the fees I paid. 

Now 7 months later they have reported false derogatory information to the credit bureaus stating that I am behind on a payment of {$100.00}. 

This is absurd when I do have regular phone and internet service with XXXX but all bills are paid on time and auto set up. So how could I be owing for a device I never owned.
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. (PA)

I am XXXX XXXX, I am a natural person and this is me XXXX XXXX submitting this dispute. This dispute is not being submitted by a third party. 

( XXXX, XXXX, Experian ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute Cornell.edu 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors XXXX have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these accounts. 

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