davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I DID NOT SIGN ANY AGREEMENT THAT FIRST XXXX XXXX  COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Consumer complaint received 2023-12-16
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!
Consumer complaint received 2024-05-28
Product: Credit reporting 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. (TX)

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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)

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NJ)

I called numerous of times they said they cant verify my information it can be identity theft According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Consumer complaint received 2024-05-28
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. (IL)

I am writing to formally lodge a complaint against Experian regarding their persistent non-compliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with Experian, their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes to Experian, addressing inaccuracies in my credit report. However, Experian has consistently failed to adhere to the mandated investigation timelines. Each time I have reached out for an update, I am met with the same generic response : " Company response is in progress. '' This phrase has become a repetitive and frustrating barrier, preventing me from receiving the timely and fair resolution to which I am entitled. 

Experian 's tactics to avoid detection and accountability are evident. Their delay tactics and failure to provide substantive updates suggest an intentional strategy to exhaust and deter consumers from pursuing their rightful claims. It is unacceptable that a major credit reporting agency, entrusted with safeguarding and accurately reporting consumer information, engages in such deceptive practices. 

I demand to know how many " progress '' responses Experian has issued and how many investigations are genuinely being conducted versus being delayed indefinitely. The lack of transparency and accountability in their process is deeply concerning and undermines the trust and integrity of the credit reporting system. 

I urge the CFPB to take immediate action to investigate Experian 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Experian 's conduct is a stark violation of these principles. 

Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Experian is held accountable for their actions. 

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2023-12-16
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. (PA)

I am writing this letter to request the following information on my file be deleted. I sent a letter to Experian on XX/XX/, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-12-16
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. (FL)

For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For Experian, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For XXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-12-16
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. (MO)

Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.
Consumer complaint received 2023-11-06
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: JPMORGAN CHASE & CO. (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-06-28
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (PA)

I was notified through XXXX  XXXX  that I had a collections I had no idea about from XXXX XXXX  which I didnt know was even open. I had no recollection of this going to collections because I didnt get any letters to my house. This happened in the midst of XXXX and I had to return home but I dont recall having to pay anything to the property, now I owe {$2200.00} I had no idea of.
Consumer complaint received 2023-12-16
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)

Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( Experian, XXXX, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ Experian, XXXX And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2023-06-24
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc (OH)

On Friday, XX/XX/, I woke up to a text message and email from Chime saying welcome and my new account was waiting for action. I have never signed up for a Chime account. These came through at XXXX and XXXX respectively. I went to work unsure of what to do, while at work I came in contact with someone who actively had a Chime account. I showed them my messages and asked how I would receive this if I never signed up, they said it was unlikely to happened and I should contact the company itself. After work I called Chime, informed them that there was an account opened in my name and gave them the phone number and email associated with the account. The first associate, XXXX, would not assist me without my birthdate or social security number. I would not provide any additional info as I had not set up the account. After that call I did download the Chime app and find a bank routing and account number. I called back and spoke with a XXXX who, again, asked for my birthdate and social but I again refused and told him I had the account information and he should have no problems looking it up that way. After some time I was told the account was closed but was not given any info on who opened it, with what social, or when. I was instructed to file a police report and contact the credit bureaus to protect my credit.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX sent a fraudulent unpaid debt to collections for a XXXXXXXX XXXX XXXX that occurred on XX/XX/XXXX. This was a test that was marketed to the public as " free '' with insurance which I held at the time and provided. 

As of today, I've had a medical billing agency ( XXXX XXXX XXXX  ) contact me, then XXXX XXXX ( another debt collections agency ), and now Capital Accounts LLC all call several times and send me mail on many occasions regarding this fraudulent charge. XXXX has stopped calls. XXXX XXXX XXXX sold the debt to Capital Accounts LLC. Capital Accounts is fraudulent claiming that they did not buy the debt and is collecting on behalf of XXXX XXXX confirmed they sold the debt. XXXX confirmed they have a XXXX balance ( likely because of the original sale of the debt ). This was a XXXX test that nearly everyone in this nation received at one point or another over the last several years. The CARES Act or the No Surprises Act should be offering some protection here in my opinion. As a note : the medical billing agency that originally called me over a year ago led me to believe that this was an act of balance billing they were inquiring about which is why I mention the No Surprises Act. 

XXXX claims the debt is a XXXX balance on their end. From what I can tell on the itemized bill, no attempt to bill the insurance was made until XX/XX/XXXX - 2 years later. This is way beyond the reasonable time an insurance company would typically allow and by the time they billed I was using a different health insurance provider and there runout period had ended. Instead of Insurance denying the claim due to unreasonable billing time, they denied it stating I no longer held a policy since my company provided health insurance changed in XXXX. They are unwilling to assist in resolving the debt with any collector. Every time I ask for an itemized bill from the collection agency- they send it to me in order to abide by the laws set out but it shows a XXXX balance because they have already sold it to a new debt collection agency to allow it to become their problem. 

My belief is they are selling the debt because they know any litigation surrounding a collection of {$800.00} for a XXXX XXXX XXXX XXXX, that they did no due diligence in investigating the proper charge, is something they want no part in. PLEASE HELP I really don't want to get involved with a lawyer but this is becoming a major inconvenience as I use my phone for business. 

The ethical bounds of harassing people for {$800.00} for a COVID TEST is absolutely insane. While I'm not sure if this meets the criteria of harassment there has to be some detail I've provided somewhere that can get these people to stop. I can't imagine how many other people in Louisiana, XXXX may have done this to and they paid it because they were scared.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX XXXXXXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX ( Original CreditorXX/XX/XXXX ) XXXX Balance : {$110.00} XX/XX/XXXX Balance : {$3600.00} XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XX/XX/XXXXXXXX Balance : {$23000.00} XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have several charge offs on my credit this is effecting my score ... since a charge off is she as income it shouldn't be on my consumer credit account.. I had also paid a company to consolidate and make payments to each of these accounts as of today XX/XX/2022 they are still on my account and appearing as tho I have not paid anything on them.. please help
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to XXXX XXXX which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.