davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXXXXXX XXXX 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is 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.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Your agency is in violation!

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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Someone obtained my debit card info and submitted XXXX charges to my account on XXXX/XXXX/2017. XXXX charge was {$53.00}, the other was {$43.00}, totaling {$97.00}. Both charges were through XXXX, XXXX. shown on my bank account with the phone number : XXXX. The call on XXXX/XXXX/2017 was answered in XXXX. ( They told me they also had XXXX other office in XXXX, CO. ) They told me to email their fraud department at XXXXXXXXXXXX. I received a reply in a few hours. However, they advised me that they could only block my card number and could not reimburse me because they already transferred the funds to a third party. I am having my bank, Citizens Bank, try and recoup charges through their fraud department. I think it is unfair that XXXX can not have records to indicate who the third party is, in the event they have to go after this third party. There should be a law to prevent this.
Consumer complaint received 2023-09-20
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)

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 Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions.

a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to express my extreme dissatisfaction with the handling of my lease agreement with XXXX, which commenced on XX/XX/2023. Since the initiation of this agreement, I have encountered numerous challenges, primarily stemming from a lack of communication and administrative oversight on XXXX 's part. 

Upon receiving the vehicle and associated documents to sign, I was surprised to find that no contract or any official account document was provided, aside from the plates arriving out of the ordinary timeframe which resulted in significant inconveniences such as late fees and violations due to the expiration of temporary plates during this period, even the extension sticker for the inspection was well out of the grace period. 

Despite my persistent attempts to rectify this issue by contacting XXXX on multiple occasions, I have been met with inconsistent responses and instructions that have failed to address the root cause of the problem. Ive adhered to every instruction provided by XXXX, the late fees were eventually waived, but the adverse impact of the late payment on my credit report remains unresolved. 

It is imperative to emphasize that this situation is not a reflection of my creditworthiness, but rather a consequence of XXXX 's complete lack of communication and support throughout this process. I have diligently fulfilled my financial obligations by paying my balance in full and have implored XXXX to acknowledge the extenuating circumstances surrounding this matter. 

Therefore, I am formally requesting a thorough investigation into the attempts I have made to uphold my commitment to this lease agreement, despite being left in the dark due to XXXX 's negligence. I trust that a comprehensive review of the account history and notations will substantiate my claims and highlight the persistent efforts I have made to mitigate the consequences of XXXX 's shortcomings. 

I urge you to address this matter with the utmost urgency and diligence to ensure a fair resolution that accurately reflects my creditworthiness and commitment as a customer. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2024-04-04
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. (NE)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NJ)

I don't know when I opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XXXX  Wells Fargo illegally paid out from my Wells Fargo checking account that is clearly fraudulent. " Proof of Payment '' to an American Express account made by " XXXX XXXX '' in amount of {$4500.00} ( attached ). Post filing fraud complaint with Wells FargoXXXX XXXX, Wells Fargo claimed this is a legitimate payment and no further action taken. This is in direct violation of Consumer Financial Protection Bureau ( CFPB ) section 1005.6 Liability of consumer for unauthorized transfers. 

XXXX records shows I have no American Express detailed in XXXX XXXX contrary to what Wells Fargo claims. XXXX shows no open American Express accounts belonging to me for 20 years. Wells Fargo claims ( ref XXXX ) the IP address originates from Nevada thus a valid transaction. 

Wells Fargo claim using IP address covers all Nevada and does not refute their own proof of payment facts that are shown in their records. 
1. Who is " XXXX XXXX XXXX who made this transaction as seen in proof of payment? 
2. Why is the address shown on proof of payment over 20 years old and no longer valid? 
3. Show me which account that was paid to American Express. I've contacted

American Express and they have no record of this payment. 4. American Express is not listed i
n my bill pay ( per Wells Fargo claims ) for decades.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have written to the company Extra before about the inaccurate information on my consumer report along with an FTC report. i was told they investigated this and everything was accurate. 

in pursuant to 15 usc 1681e An " Investigative consumer report '' refers to a consumer complaint or part thereof where details concerning a consumer 's character, general reputation, personal traits, or lifestyle are gathered through personal interviews with neighbors, acquaintances, friends, or other individuals familiar with the consumer in question. This definition, however, excludes precise factual data regarding a consumer 's credit history obtained directly from the consumer 's creditor or the consumer. 

In pursuant to 15 usc 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft.
Consumer complaint received 2023-07-17
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)

Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint regarding the inclusion of certain information in my consumer report maintained by your agency. Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ), I request the immediate removal of the following account from my consumer report due to its violation of my privacy rights regarding student education records : Account Information : Account Number : XXXX Date of Entry : XX/XX/2018 Description of Account : DEPT OF ED/XXXX As per FERPA regulations, student education records are protected from disclosure without the consent of the student or their legal guardian. The account in question directly pertains to my educational history and therefore falls under the purview of FERPA. I have not provided authorization for this information to be included in my consumer report, nor has the educational institution involved obtained my consent for such disclosure. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I kindly request that your agency take immediate action to investigate this matter and remove the mentioned account from my consumer report in compliance with FERPA regulations within 14 business days