davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

According to FCRA and the TILA CRA 's may not report any transactions, experiences, & personal private information. This is a direct violation of 15 usc 1681 and 16 cfr 433.2. Experian has reported my account as late for months of XXXX and XXXX on my already disputed account with XXXX XXXX XXXX. I'd like all delinquency and lates reported corrected to current.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One refuses to respond to my letters I've sent to them regarding this issue. Now they are threatening to close my account. They also sent me some bills with a few errors on the bills.Ive requested the real accounting to this account and Ive also requested a cease and desist on this account. Ive been trying to resolve this matter for over 6 months. Can you please assist me with finding a resolution?
Consumer complaint received 2024-04-03
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. (MA)

I am a victim of identity theft. I filed all of my paperwork with the authorities and sent it off to the credit bureau and it has been over 3 months and they have not answered me at all. They completely ignore my documents. I did it all correct and attached my IDs and everything. Please help me! ~
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (NY)

I have filed three complaints with the cfpb because Experian refuses to change my address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX to correct address of XXXX XXXX XXXX XXXX XXXX, New York XXXX. I will be submitting as evidence that both XXXX and XXXX XXXX reports my correct address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. After multiple attempts Experian still reports my address as XXXX XXXX XXXX, NY XXXX, which should be corrected to XXXX, NY XXXX.
Consumer complaint received 2024-04-02
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 kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
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. (IL)

I recently checked my credit report from XXXX XXXX XXXX and the account listed below show XXXX XXXX XXXX as the creditor. 

This company is NOT the creditor, I never contracted with them, and I sent certified letters to them and also XXXX XXXX XXXX XXXX XXXX XXXX to immediately correct my report and remove this account. Despite my previous disputes regarding the validity of this debt, this company has engaged in deceptive practices by tricking me into making a payment. The Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act are to be enforced here. I sent them a certified mail on XX/XX/24.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bubba Hill Auto Plaza Inc (PA)

Bubba Hill Auto Plaza. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Put down XXXX XXXX spring Still on credit Just removal And any and all after that date. I have not financed anything since than. 
No credit cards No personal loans. 
No liens on properties. 
My wife passed in XXXX XXXX XXXX XXXX XXXX 
Please look into and fix Also My birth name XXXX XXXXXXXX XXXX XXXX same social security number? For some reason I have XXXX birthday on record with XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX. 
He change his name to XXXX at some time. Ss department inform me? Security breach on us both. Please fix and send me necessary paperwork notarized if death just certificate hand over sharing from work the board keeps putting me out and eating up assets at XXXX XXXX thank you
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
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 continue to raise concern that XXXX loan account ending in XXXX is reporting as late each month. 

Im told that XXXX has looked into this yet the issue remains. Im confident that if someone actually reads the concerns and performs the duties inherit within their role, a simple call or ticket with the the XXXX could fix this violation of FCRA. 

Look at the attachment- this is causing lenders to believe Im still missing payments each month.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts do not belong to me and are not accurate. XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

I sent a letter asking them to reinvestigate these accounts : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

They have not responded to me.
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. (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.

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 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-04-03
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. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
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. (NY)

In XX/XX/2023, a missed payment was incorrectly reported on my credit report by XXXX. I contacted XXXX 's customer service to address this issue, and I was informed that they had reached out to the credit bureaus to have the missed payment removed from my credit report. Despite this assurance, I am seeking confirmation that the necessary corrections have been made to accurately reflect my payment history. 

I request that the involved companies provide written documentation confirming the removal of the erroneous missed payment from my credit report and ensure that my credit history is accurately reported. Additionally, I would like to know what steps are being taken to prevent similar errors in the future.
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  and 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 2024-04-03
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. (FL)

XXXX XXXX XXXX I am writing to dispute and bring to your attention an issue regarding the unauthorized disclosure of my Nonpublic Personal Information, as protected under 15 U.S.C. 6802. 

I recently became aware that my personal information, which is supposed to be held in strict confidence by your institution, has been disclosed without my consent. The nature of the disclosure raises concerns about the privacy and security of my financial information. 


The details of the unauthorized disclosure are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im again requesting that your institution conducts a thorough investigation into this matter and takes appropriate actions to rectify the situation because under the 15 U.S. Code 6802 section b, it states, a financial institution may not disclose non public personal information to such financial institution or any nonaffiliated third party unless, ( a ) Such financial institution clearly and conspicuously discloses to the Consumer, in writing or in electronic form or other form permitted by the regulations prescribe under section 6804 of this title, that such information may be disclosed to such third party. 

( b ) The consumer is given the opportunity, before the time that such information is initially disclosed to institution and such parties ; and ( c ) The consumer is given and explanation of how the consumer can exercise that nondisclosure option. 





I am also requesting that you provide me with a written response detailing the findings of your investigation and the steps taken to address the situation. Additionally, I would appreciate information on how your institution plans to enhance its safeguards to ensure the privacy and security of my Nonpublic Personal Information.

Again, Ive carefully reviewed my consumer report and identified the above-mentioned accounts as Nonpublic Personal Information. the information provided in relation to those accounts are erroneous. 

I appreciate your prompt attention to this matter and expect a fair resolution. I trust that consumer reporting agency will take appropriate action to delete the erroneous entry from my consumer report.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IL)

On XX/XX/XXXX, I began receiving emails from XXXX, welcoming me to the service. I never signed up for their service, and someone else used my email address to do that. 

I have been emailing constantly and they assure me they are working on it but nothing has been done. 

I find this lack of response extremely unprofessional and dangerous when data security should be of utmost importance to a financial institution. 

I am not taking more time to build a profile with this company, that I did not choose to give my business to in the first place. They want you to give them more information like phone number to them, while I already do not trust this institution.
Consumer complaint received 2024-04-03
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-03
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. (IL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

GENESIS CREDIT MANAGEMENT Account Number : XXXX {$17000.00} This was a result of Identity theft. I have been dealing with this for over a year with several other companies. I have had to change my Driver Lic, bank accounts, addresses, and several other things due to this. This has a very negative effect on my life and I need this removed from my credit.
Consumer complaint received 2024-01-09
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.