davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

While trying to get approved for a home equity line, I learned that experian was reporting on my credit report a loan that I never took out. I submitted a police report, showing that this was fraudulent activity, and experian is not willing to make any changes to my report. Theyre also not willing to do the research with XXXX who is allegedly where the loan originated.
Consumer complaint received 2024-04-06
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, XXXX XXXX, am requesting that Experian and XXXX delete the collection account from XXXX XXXX XXXX. On XX/XX/2024, I sent a settlement letter to the collection agency to settle this debt. XXXX has since deleted this account after confirmation was sent. I am attaching the settlement letter to this complaint, which is dated, and time stamped. It has been well over XXXX  days since my letter, and I was informed that the account would be removed in XXXX days. Furthermore, Experian is reporting payment history that is inaccurate when there should be no payment history reporting on a collection account. I expect this account to be removed from my credit report within XXXX days of receipt of this complaint.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-06
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 have repeatedly contacted Experian about the reported ID theft as well as supplied them with all the supporting documents they keep telling me that they think Im lying bc the other company verified the info. Its a total disgrace that these companies can allow items to damage my ability to conduct business as any normal person who pays their bills and is responsible should. Instead Im told that they dont believe me or that companies I have never done business with are allowed to report negatively on my credit impacting my ability to do the things I need to do. Then they disregard the law and say we are compliant even though a XXXX grader can read what it says and know they are not.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 2024-04-06
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)

I attempted to apply for a XXXX card online, only to discover that XXXX was unable to process my application through their online system. Despite this, XXXX proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to XXXX, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted Experian for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like XXXX, are not typically removed from credit reports. Despite my insistence that XXXX 's actions amounted to fraud due to their unauthorized access to my data, Experian maintained that such actions are only considered fraudulent if the information is used by XXXX to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at XXXX XXXX. My ZIP - XXXX My Dispute Report Number at Experian : XXXX. My XXXX ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

The company MIDLAND CREDIT MANAGEMENT did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (AL)

I am requesting help concerning fraud charges on my credit karma spending account. I did my taxes with XXXX XXXX  and the money was sent to my credit karma account. It was placed in the account on XX/XX/XXXX with a date of arrival for the XXXX. On the early morning of the XXXX at XXXX I got a notice stating that a log in code was sent to login in my account. I logged in an noticed a debit card was placed on my account that I did not placed on my account so I contacted credit karma right away. I was on the phone with the agent as I saw my money be " instant transfer '' to the debit card. The agent saw the same. I asked him to stop the transaction and to freeze my credit. He stated he can't add sent me a paper informing me to fill it out right away which I did. I had to send a picture of me hold my credit karma card, my ID front and back, and a picture holding my ID. This was XX/XX/XXXX. Sent then I have contacted them asking them to freeze my account and remove the debit card. They didn't and now they have closed my account and started that there is nothing I can do. I have all the correspondence.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Bankruptcy XXXX  XXXXdischarged Reference XXXX
Consumer complaint received 2023-08-12
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: Resurgent Capital Services L.P. (AL)

Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!
Consumer complaint received 2023-08-11
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : XXXX = XXXX, XXXX = XXXX, Experian = XXXX High Balance : XXXX {$16000.00}, XXXX {$14000.00}, Experian= {$16000.00} Date Reported : XXXX, XXXX XXXX ExperianXXXX 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 1005 accurate information>
Consumer complaint received 2024-04-06
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. (CA)

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 2024-04-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. I also need a copy of my CONSUMER FILE, not my consumer report sent to the address listed above immediately. FOI Act 5 U.S. Code 552. Thank you in advance Best, XXXX : XXXX  All Inalienable Rights Reserved
Consumer complaint received 2024-04-06
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. 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 2024-04-06
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. (PR)

On Saturday, XX/XX/2024, through the Experian app, I applied for a small loan. Previous continuing the application, I tried to reach someone as I had questions, and it was kind of difficult to me to understand the website. Because it was Saturday, I didnt reach anyone, but I continued the application, using my brothers address in Florida which was approved. 
Researching on the main website of XXXX, again, because everything was done through Experian app, I read that the loan its specific for some states. Thats when I knew the application wouldnt go forward as all my documents are from Puerto Rico. 

XXXX, from the office of Florida, reached me on Monday, XX/XX/XXXX to keep forward the application but when I told her that I live in XXXX XXXX, she told me she must withdraw the application even if its was approved as Im out of the state. I agree but I requested her, then, to please remove the inquiry because I tried to reach someone previously and no one answered. 

She told me that I needed to reach Experian and request it, which I told her thats not how it works, but I did it anyway. 

On XX/XX/XXXX I was reached by Experian, and they told me the same thing I told XXXX, that its the company that has to send a letter to the credit bureaus ( Experian and XXXX too ) requesting the removal of the inquiries. 

I sent a letter to XXXX XXXX that I would appreciate the help on removing this inquiry in both Experian and XXXX as Im working towards mt credit and it was Experian and their website not clear in whom can apply for the loan. 

Again, I wanted to be oriented but no one was available. The loan was approved but withdraw by them. 

Today I receive a letter, a plain letter, not stating anything just that I authorized the inquiry. I knew that I would be approved as I have good credit, but without the whole information of who can or cant apply, I was affected.
Consumer complaint received 2024-05-21
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-06
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. (GA)

Experian, XXXX and XXXX violated the law when they allowed information about my private business to be report to my consumer report. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-04-06
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. (CA)

Back in XXXX of XXXX I had reported to EXPERIAN that I was unable to acquire free credit reports or able to Dispute errors on my credit report. I had to eventually had to sign up for the {$29.00} premium service and I was still unablle to pull my credit reports, the reports are stuck back on DATES of XX/XX/XXXX. 

I have recently checked my credit report on XXXX the same problem is a happening. 
I am unable to acquire free credit reports or dispute on-line ' and paid service. 

Please remove these hard inquiries, they do not have my permission or authorization, nor have any permissable purpose. 

XXXX XXXX XX/XX/XXXX Delete this inquiry. 
Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Delete inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXXXXXX XXXX XXXX XX/XX/XXXX Delete Inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 


I have attache the credit reports to show proof of the credit reports not up to date nor have accurate information on my report.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-04-06
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. (NY)

XXXX XXXX XXXX Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting Experian says closed no payments due XXXX XXXX says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681
Consumer complaint received 2024-04-06
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. (VA)

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts were opened XXXX XXXX XXXX XXXX XXXX, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence showing XXXX XXXX XXXX XXXX when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.