davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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)

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company.

In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score.

I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report.

I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action.

I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue.

Sincerely, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Consumer complaint received 2024-06-18
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. (MS)

i am a victim of identity theft i pulled my credit report and i see some unauthorized fraudulent inquiries listed under my ssn.i never gave anyone permission from these companies to pull my credit .please delete these following fraudulent inquiries ARE 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 2024-05-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (WV)

I received a letter stating that the debt was over the allowed time for them to sue me or report to credit report but they have not removed the collection from my credit report. This needs to be removed since it is past the time allowed.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I am a XXXX XXXX XXXXXXXX  XXXX veteran living in XXXX CO and am a graduate of the XXXX XXXX XXXX XXXX XXXX, and ran across another fellow veteran from the XXXXXXXX XXXX who was homeless. I moved all my furniture out of my office to make room for him, rented a storage unit to place my belongings in, bought the veteran a new electric bike so he could visit the food pantry for groceries, load his bike on local buses, spend time with friends at his local dive bar, and eventually get medical assistance through the VA for some injuries sustained during the XXXXXXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Having an almost perfect credit score, I decided to place some of the costs on two high interest credit cards through Chase Card Member Services, because I was also spending time in XXXX working with some of the human rights protests at major university campus ', of which I am an alumni of XXXX XXXX XXXX XXXX. During the two months with Chase, my credit score dropped from an XXXX to almost a XXXX, and despite not missing a real payment the closed both of my accounts for " Rapid increased in revolving balances '' and " Recently returned payments on one or more of your accounts. '' I have had both credit card accounts for well over 5 years and usually kept one of them locked and stored for safe keeping. The more premium credit card I was paying off through disbursements from Chase Sapphire Reserve ( Card number : XXXX ) my XXXX Retirement Investment Accounts to start paying off some of the credit cards. My less premium card Chase Sapphire Preferred ( Card number : XXXX ). Both letters were delivered on XX/XX/XXXX, the day before XXXX XXXX and were dated XX/XX/2024. The goal was to use my retirement as collateral to help out this fellow Veteran who was XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  etc., and has a goal of meeting his two grand daughters before he dies. 

I have been borrowing petty cash from wallets of family and friends to help get myself out of this credit hole and even over XXXX XXXX Weekend, I couldn't even spend the weekend with family and friends due to embarrassment about not even being able to bring drinks or snacks to a BBQ to memorialize fallen soldiers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and friends I've lost XXXX XXXX XXXX XXXX 

I have been on the phone with Chase and into several local offices and they refused to help besides just 'closing my accounts ' without my request after consolidating the two accounts without my permission and then closing both of them. I don't know if it's possible to press criminal charges, but this should fall under discrimination and XXXX law as well as equal credit opportunity act, since I was deriving some of my income through XXXX payments through the Veterans Affairs.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2024-04-08
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. (NJ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-08
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 am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX **** XXXX : {$2600.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-06
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)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2024-04-08
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. (WI)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-12-19
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)

after trying to attempt to correct personal credit information and remove all non-medical information from my report from XX/XX/XXXX it has come to my attention that my information may have been involved in a data breach on or around XXXX, also after close research, I have discovered my private trust information is being sold by Experian, traded and exchanged in financial jurisdictions outside of the US without my express written or verbal permission. There has been a lack of transparency, disclosure, and misrepresentation as to where my private trust information is going. As the surety it is unthinkable that others have enjoyed unjust enrichment as a result of my information being traded, sold, and exchanged as it is more profitable for Experian customers to have lower scores so that they can " pitch '' various products. Also, on or around XX/XX/XXXX, XXXXI applied for the digital wallet/check checking account and I was refused access. This is outrageous, given the fact that it is my private information and credits coming from my private estate have now given that product they offer plus others, its value to be traded in financial markets.
Consumer complaint received 2023-12-19
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-11-06
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

HI Someone made a loans in my name from the company XXXX XXXX XXXXXXXX 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 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have a cosigner who had a good credit score back when we initially got my truck in 2020 my three year was up and unfortunately hit my hunters credit score dropped so the guy told us theres nothing we can do unless you put money by the whole car outright Unfortunately I just lost my sister unexpectedly and they just came and repo my car
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, And XXXX XXXX XXXX has violated my rights. 



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.

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.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.
Consumer complaint received 2023-12-19
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)

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  Account Number XXXX XXXX has violated my rights. Or 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 2023-12-19
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. (DE)

Currently trying to buy a home and in doing so I've found multiple inaccurate accounts reporting to my credit report according to 15 U.S.C 1681 law there should not be any damages on my report this is a defamation to my character. This detrimental to me because it is holding me back from providing a better life for my children i have reached out to all credit bureaus numerous times and nothing has been solved from inaccurate reporting to hard inquiries that was not authorized. I have reached out to the company to ask for proof of collections or me authorizing any company no proof has been submitted
Consumer complaint received 2024-04-07
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. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Against Experian 's Noncompliance with Final RulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Experian has refused to block the items in my credit report that are directly linked to human trafficking. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX trafficking, in accordance with the XXXX XXXX. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXXXXXX XXXX XXXXXXXX