davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (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 name : # XXXX, Account name : # XXXX, Account name : # 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (GA)

XXXX companies for the past 4 years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.
Consumer complaint received 2024-03-26
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. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to express concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and the Title VI Consumer Protection Act Law 15 U.S.C. 1681-1681x by XXXX XXXX XXXX Specifically, I am concerned about your credit reporting practices, which may include reporting payment delinquencies after the payment has been processed, rather than based on the date the payment has been received and XXXX XXXX waiting to properly credited to the account. Moreover, it takes 5 days to change financial institutions if a customer would like to redirect their payment from an alternate account. Additionally, I am concerned about the potential marginalization of people of color who already have disproportionate credit scores.

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Consumer Financial Protection Bureau ( CFPB ) was granted rule-making authority over the FCRA. The Dodd-Frank Act also introduced amendments to the FCRA, requiring the disclosure of credit scores and related information when a credit score is used in taking an adverse action.

It is essential to ensure that credit reporting practices are accurate and fair. Reporting payment delinquencies based on the date a payment is processed, rather than the date it has been received and properly credited, may lead to inaccurate credit reporting and negatively impact individuals ' credit scores and future credit opportunities. Such practices may be in violation of the FCRA, which requires fair and accurate credit reporting.

Furthermore, it is important to address the potential marginalization of people of color who already face disproportionate credit scores. The Title VI Consumer Protection Act Law prohibits discrimination in programs and activities that receive federal financial assistance. By marginalizing individuals with already disproportionate credit scores, XXXX XXXX may potentially be in violation of this law. 

In addition to the FCRA and the Title VI Consumer Protection Act Law, it is crucial to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Community Reinvestment Act ( CRA ). The FDCPA mandates fair treatment, accurate representation of debt information, and prompt resolution of consumer disputes. The CRA requires activities that meet the credit needs of all segments of the communities you serve, including historically underserved populations. Compliance with these acts is essential to maintain fair and equitable practices in debt collection and community reinvestment. 

Lastly, it is important to assess and address any algorithmic biases in your banking algorithms. Biases in algorithms can perpetuate discrimination and unfair treatment. XXXX XXXX XXXX emphasizes the need to address biases in algorithms used in decision-making processes.
Consumer complaint received 2024-02-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo will charge fees for paid-off {$0.00} balance lines of credit, basically holding the customer 's credit score hostage. Either you pay their fee for something that is not being used, or have your credit score affected.
Consumer complaint received 2024-03-26
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-23
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Received two calls on the same day XX/XX/2023 from different numbers- one to my work phone at XXXX, and one to my personal phone at XXXX. Call to my personal number identified as Portfolio Recovery, and the one to my work number displayed Unknown ( my work phone is set up to display caller ID just like my personal phone. ) I was able to verify the source of the call to my work phone as Portfolio Recovery.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of {$77.00}. but $ $ this account is fully paid-off and balance on it should be {$00.00}
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: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

ON THURSDAY, XX/XX/2023., AT AROUND XXXX  A DISPUTE LETTER WAS MAILED TO THE CREDIT BUREAU TO THE ADDRESS AS LISTED: (EXPERIAN XXXX XXXX XXXX TX XXXX.) NO RESPONSE OR ACKNOWLEDGEMENT FROM EXPERIAN PLC., REGARDING THE DISPUTE LETTER. FAILURE OF SUCH ACTION FROM THIS CREDIT REPORTING BUREAU CAUSED A SERIES OF EMOTIONAL DISTRESS REGARDING THE MULTIPLE ERRORS, AND INACCURATE INFORMATION THAT WAS REPORTED TO CAUSE A NEGATIVE XXXX POINT DROP. THIS COMPLAINT IS FOR DISCRIMINATION, AND RETALIATION FOR UTILIZING RIGHTS TO DISPUTE INACCURATE INFORMATION TO A CREDIT REPORTING BUREAU.

ISSUE 1) ON XX/XX/23, I MADE A $XXXX  PAYMENT TOWARDS MY XXXX XXXX  ACCOUNT. ON XX/XX/2023, EXPERIAN PLC, REPORTED TO XXXX XXXX XXXX  WHICH CAUSED A NEGATIVE XXXX  POINTS REGARDING MY XXXX XXXX  ACCOUNT BALANCE STATING: BETWEEN XXXX XXXX, 2023 AND XXXX XXXX  2023, YOUR XXXX XXXX ACCOUNT BALANCE DECREASED BY $XXXX FROM $XXXX TO $ XXXX A DISPUTE LETTER WAS MAILED TO EXPERIAN PLC., WITH PROVIDED DOCUMENTS OF THE STATEMENT OF FACTS.

ISSUE 2) ON XX/XX/23 A LETTER TO XXXX XXXX XXXX WAS MAILED TO THE ADDRESS AS LISTED: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THE LETTER WAS THEN RETURNED TO THE ADDRESS ON THE ENVELOPE.

PLEASE CONTACT ME WITH FURTHER UPDATED REGARDING THIS MATTER AS SOON AS POSSIBLE.

INTELLIGENCE BY: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (OH)

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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-23
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)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone got credit card in my name from Bank of America and XXXX. I noticed the issue on XX/XX/XXXX. Contacted creditors to report problem and both accounts were closed. Bank of America is sending fraud statement. Amounts charged were. 
Bank of America XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (IL)

By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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
Consumer complaint received 2024-03-26
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. (TN)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( 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 2024-03-26
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. (VA)

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 XXXX XXXX XXXX. 
Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX BANK has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section State : 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 conviction of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( 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 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute and request the removal of a fraudulent collection account that has recently appeared on my credit report. This account is inaccurately affecting my financial score and overall creditworthiness. I have serious concerns regarding the accuracy of this information and request a thorough investigation into the verification process that led to its inclusion on my credit report. 
Upon reviewing my credit report, I discovered the presence of a collection account that I do not recognize and believe to be the result of fraudulent activity. 
XXXX XXXX XXXX  XXXX DELETE!!! 
Furthermore, I question the verification process that led to the inclusion of this collection account on my credit report. It is crucial for the accuracy and fairness of the credit reporting system that a comprehensive and transparent investigation be conducted. Please provide me with detailed information on the steps taken to verify the accuracy of this collection account, including the source of information and the date of verification.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2023-11-22
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. (AZ)

under the FCRA and EFT Act I do not have an " account '' with these people. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2023-11-22
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 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.

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 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.