davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

Experian failed to Take off a Fraudulent Address, stating that the Company XXXX XXXX. Verified this address, there fore it was valid. XXXX XXXX authorized a Fraudulent charge to my Name and has no authority to keep this address that I have NEVER lived at nor have any association with on my credit report.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
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)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all credit reports and there is no known address or phone number to contact this company.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all credit reports and there is no known address or phone number to contact this company.
Consumer complaint received 2023-09-26
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: Nelnet, Inc. (IL)

My Nelnet student loan, with a balance of {$29000.00}, w/ " Paid As Agreed '' status, was removed or blocked from my credit report. I did not dispute this account or request the removal. 

The Fair Credit Reporting Act USC 611 ( a ) ( 5 ) ( B ), states If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2023-12-06
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-01
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)

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 NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Account was opened in 2014 ( XX/XX/2014 ). Experian which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.
Consumer complaint received 2023-12-06
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. (TN)

I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

45.8K
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

Account name : XXXX XXXX XXXX  and Account name : 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 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 2023-09-26
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (TX)

The AAFES XXXX XXXX charge card was opened in XX/XX/XXXX, always was in current status. 

In XX/XX/XXXX, due to circumstances, my account went past due. It however never reached charge off status, yet, on my credit Army Air Force Exchange Services, always reported it as a charge off, and at that time, they had me make a payroll deduction, until I paid it off in XX/XX/XXXX. 

Now, suddenly, after paying it to a {$0.00} balance, it is reported on my credit as having been paid late for the last 4 1/2 years and it also shows that it was paid under a partial payment agreement.

At that time I made arrangements with the " internal collections department '' at AAFES, I was never offered any type of reage program or told that I was paying it under a partial payment agreement. 

I feel that the representatives with whome I spoke to in XXXX, didn't follow proper procedure, didn't offer me a reage program, and lied to me, telling me, that my account was already charged off, even though my account never reached the prescribed amount of time required by regulations, to be an actual charge-off account. 

I feel that I was wronged then, and I am especially being wronged and punished twice, as now I have over 23 months of late payments suddenly show up on my credit bureau, which is affecting me in several way at this time. I might have to take the complaints to a higher level, maybe legal action will have to be initiated, if things are not corrected on my credit bureaus.
Consumer complaint received 2023-12-06
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. (IL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-06-18
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. (IL)

I went to go look At a car, and as we were going through the process both me and XXXX other employees at XXXX XXXX XXXX had come to the conclusion that I did not want to send the report out to a banking company. I left the facility and XXXX days later. I randomly got a call saying that they had adjusted the price by {$600.00} and got me To where they I wanted my payment. I told them I did not want them running my credit and all they had to say was it should fall off in a month and that a XXXX credit pull will not affect my credit.that is false information, it does affect my credit. There have been other calls back to me as well saying they would help me and look into it and now no one has called me back. I am highly disgusted with the way this establishment claimed to be working for me and pulled the whole salesman talk about how they care not only about my purchase but my future and credit. The finance manager XXXX XXXX mentioned multiple times how that was the case, which is why we came to the conclusion together at the end before we sent anything officially to banks in order to get hard numbers. I told them I didnt feel confident in the way they were talking etc. which is why I ultimately walked. This is the short story version and will gladly explain it all, once again like I said I am highly disgusted with this company. Not only their service, but their attitudes and sales approach comes off as not only selfish but unethical.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma (MI)

I have a checking account with Credit karma they froze my account on XXXX XXXX without providing me with a reason. It has been over a week Ive been contacting them about this and Ive had no luck getting access to my account so I can access my funds, they provide me with the same excuse every time thats its being escalated to a higher department, but the higher department never reaches back out. To contact me I have not received not one email.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated.

I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX  Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-09-26
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (PA)

I had a keybank back in XXXXXXXX XXXX i had an employment check put through the account and they instantly marked it as fraud my company pulled the money out and deposited in a new account now through XXXX XXXX the fraud was then lifted in the beginning of XXXX with keybank now i went to make a seperate account on XXXX as a joint account, so now i have my own personal, and now joint account through XXXXXXXX XXXX and XXXXXXXX XXXX  is now freezing both my accounts because of the fraud with keybank