davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Dear Experian, I am writing to dispute the compliance standards upheld by your bureau in relation to my credit report. Upon reviewing the information provided, I have identified discrepancies that I believe do not align with the established compliance protocols. 

15 U.S Code 1681 ( b ) Reasonable procedures states It is required that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

I understand the importance of accurate reporting and adherence to compliance standards in maintaining the integrity of credit reports : this is in accordance with Consumer Report and Information Sharing ( FCRA, Section 603 ( d ). However, the discrepancies in my report have negatively impacted my financial standing and may have far-reaching consequences. 

I request a thorough investigation into these discrepancies and urge your bureau to rectify any inaccuracies promptly. Additionally, I would appreciate clear communication regarding the steps taken to address these issues and ensure compliance with established standards. 

Please provide me with a detailed explanation of the investigation process and the outcomes thereof. Furthermore, I would like to receive a corrected copy of my credit report reflecting the accurate information as soon as possible. 

I trust that your bureau will handle this matter with the urgency and attention it deserves. Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX XXXX 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Experian with a copy of the police report attached and asked to remove these accounts immediately.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MS)

I told XXXX XXXX in XXXX XXXX to pick up car as I could not pay for it. Car was picked up in XX/XX/XXXX. I called XXXX in XX/XX/XXXX at the main office was told car was sold & I owed $ XXXX report shows in involuntary repossession & balance of & XXXX. Have disputed several times never changes. So where is car? How much was it sold for? How much do I owe. Never disclosed as per state repossession law. This a mismanaged Co.
Consumer complaint received 2024-03-17
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. (NJ)

Good Morning, I have a XXXX  XXXX XXXX account on my experian report, that was remove in XXXXIt has be placed back on my experian report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.
Consumer complaint received 2024-03-17
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. (WI)

I have sent several dispute letters to Experian concerning these accounts yet they have not removed them. This complaint is in regards to 2 collection accounts that Experian is reporting on my credit report from XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) account number XXXX in the amount of {$680.00} and account number XXXX in the amount of {$980.00} According to the IRS publication XXXX, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on a credit report as a debt owed. Collection companies buy debts that has already been paid off through the charge off process. 

Furthermore, it is illegal to report any transaction history according to 15 usc 1681 ( a ) subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. You have never been given any written or verbal consent to report damaging information from the consumer ( me ) in this or any other manner. ( C ) The consumer ( me ) report will be kept confidential, will be used solely for a purpose described in sub paragraph ( A ) and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

This is also a direct violation of my rights and privacy according to the Violation of Privacy Act of 1974
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co account # 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. also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXXXXXX XXXX XXXX I, as a credit consultant, sent a certified letter to XXXXXXXX XXXX General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX, which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, XXXX, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, XXXX failed to provide the necessary information as required under the FCRA. Furthermore, XXXX engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, XXXX inaccurately increased the reported debt by XXXX  dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on XXXXXXXX XXXX part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to XXXX, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that XXXX 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of XXXX. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX. {$290.00}. Reported company to XXXX. Company was to pay off account, have no further contact. Account paid off. XXXX still contacting me, the account is on my credit report. 

XXXX. {$110.00}. Reported to XXXX. Account was removed. Now it is showing up in my credit report again. Never had XXXX. 

Inaccurate personal information keep showing on my report. 
False credit information keep showing up on my credit report. 
It is ridiculous
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

I ( XXXX XXXX ) maiden name ( XXXX XXXX ) have emailed LexisNexis at XXXX, spoken with numerous customer service representatives, sent personal verification to LexisNexis to retrieve a copy of my LexisNexis Consumer Report and this Risk Solution Agency refuses to sent my personal report which I am entitled to receive. This ongoing issue is started on XX/XX/ and have not been resolved. Can you please assist with this issue.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing ( SLS ) services my mortgage which is owned by XXXX. I had a temporary interruption of my income ( lost my job ) in XX/XX/2018 which rendered me unable to make my mortgage payment in XX/XX/2018 to SLS. On XX/XX/2018 I submitted a request for mortgage relief ( RMA ) to SLS, requesting that the missed payments be added to my loan principal and that my account to be re-aged in anticipation of regaining the lost income ( which I have now ). Subsequently, I received from SLS a notice of default and their intention to foreclose. SLS requested additional documentation, beyond that which was submitted with the original application, from me which I submitted per their instructions on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 I received a notice from SLS admitting that they had not evaluated my application claiming they did not receive the documentation I provided. On XX/XX/2018 I requested escalation and reconsideration of my application from the Customer Care Manager ( XXXX XXXX ) ; to date I have received no response. On XX/XX/2018 I requested escalation and reconsideration of my application from the Vice President Customer Experience and Executive Services ( XXXX XXXX ) ; to date I have received no response. Finally, On XX/XX/2018 I requested escalation and reconsideration of my application from the Chief Operating Officer ( XXXX XXXX ) ; to date I have received no response. I assume that they are still in process of foreclosing on my property. We would like to stay in our house and have been attempting to negotiate with SLS in good faith in order to resolve our situation, but they have not responded in kind. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NY)

I got an email from XXXX about an inquiry so I logged to check it out and I know I did not try to open anything in the last 2 months. This was an attempt today thru elan financial services. And it said XXXX. Don't know if that was for a car or a credit card. When I called the number listed it seems to be a personal phone number. XXXX. I called XXXX to issue a fraud alert. And they told me to get a report with ftc.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive made several attempts to Experian credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which Experian has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. Experian is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After receiving several harassing phone calls from XXXX XXXX XXXX I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not XXXX XXXX XXXX - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.
Consumer complaint received 2024-03-17
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. (AL)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I deposited 3 checks and 2 of them went through. I closed my regions bank account and they sent me checked from my closed accounts. Huntington blocked my account and access to my money because one of them was returned. I tried to cash them at my primary bank at XXXX. XXXX  said they cant cash them and that I can cash them else where. Thats what I did, I cashed them at Huntington because I thought everything was fine. However it wasnt fine because like I stated Huntington is force closing my account. I contacted XXXX and they told me that the cashier checks was good and clear to deposit else where. Ive received emails and letters saying 2 of my deposit had got hold released. I called today and they said I would get a letter explaining why my account is getting closed. It wasnt a mistake on my end I did everything properly.
Consumer complaint received 2024-03-17
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. (MI)

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 
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 2023-04-20
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 have sent EXPERIAN multiple letters asking for them to provide original documentation for the account listed below. I am a victims of identity theft and I have filed a compliant with https : //www.identitytheft.gov. I have yet to receive anything back from them that would confirm identification. 

XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX - {$250.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$690.00} - XX/XX/XXXX