davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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. (TX)

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-19
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. (IN)

Consumer Statement Of Dispute On XX/XX/2023, I requested to Experian credit bureau to provide me a copy of the reinvestigation process procedure. I have requested the business name, telephone, company address, documents of disclosure who Experian contacted, what information was transmitted and the individual name who helped Experian verified the accuracy and completeness of the disputed accounts of the reinvestigation process. I called Experian several times and still, I have been ignored again. Which is a violation of my rights under Section 609, 610, 611, 623 and 15 USC 1681i. The credit bureaus are supposed to impartial. It's not happening. If the furnushers can not verify 100 percent accuracy, by FCRA and FDCPA law, the Credit bureaus SHALL remove disputed accounts immediately. Experian is not adhering to the Federal laws and they are in violation of my rights as a consumer. I have sent in police reports and many documents to Experian. I will not be ignored and harassed and belittled by any representative of any company. Another violation of my rights as a consumer. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (AR)

I received a letter from US Bank on XX/XX/XXXX stating that my loan was thirty days late zero times in 12 months. I was trying to purchase a new home, when the mortgage company contacted US Bank, US Bank sent a letter saying that I had been thirty days late three times in 12 months ( XX/XX/XXXX ). When I contact US Bank, they continue to state that they only show the account thirty days late one time in twelve which is XX/XX/XXXX. Since then, I have attempted to get US Bank to correct this in the system to no avail. When I call, they still say they only see one thirty-day late payment and they have notated the account that the letter from XX/XX/XXXX is inaccurate. When I ask for documentation, I get a letter declaring that they do not report to the credit bureau ; however, they did report this information to a mortgage company, and I am unable to move forward in the process due to this inaccurate information. Please correct information.
Consumer complaint received 2023-11-19
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, 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.
Consumer complaint received 2023-11-19
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 recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit 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
Consumer complaint received 2024-04-17
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. (TX)

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2023-11-19
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. (PA)

These inquiries in my file are all fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (OH)

I received notice from Genesis FS Card Services that I owed them {$75.00} for a credit card I never applied for. Y The same day, I received a letter from them stating it appeared to be fraudulent activity on the account and the card was blocked. I called the company and was told to file a complaint with the FTC.
Consumer complaint received 2023-04-15
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)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-12
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$7100.00}
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. 

I then made three transactions to deposit money into this account. 
On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. 
On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. 
On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. 

My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. 

Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. 

If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere...
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After reviewing my Transunion credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information. Please see attachment below
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-19
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. (NC)

Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit report accounts all XXXX agencies that been paid. In full. XXXXsold these accounts to multiple collection agency such .names as XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX,... possibly other collections agencies.. These companies is requesting same exact Amount. And constantly affecting my credit scores for months with these ongoing Disputes.. Information doesn't match which l Have disputed this with Credit agencies for months. And these credit agencies stated this is accurate information. Which. Is not true and effective my credit scores for months. These bills down below attract shows different names. On the bills that iis not accurate information doesn't match. names is incorrect on all the disputes
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute a late payment that has been reported on my credit file. According to my records and the terms of my agreement with this account should have been covered by gap insurance, which would have ensured timely payment even in the event of financial hardship.
Consumer complaint received 2023-04-21
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. (MD)

I have opened a multi-dispute with Experian on correcting the error that is been reported on my credit report. Report number XXXX Report number XXXX Report Number XXXX Report Number XXXX. 

I have settled the debt with XXXX XXXX XXXX Account number XXXX with XXXX XXXX as of XX/XX/XXXX. 
Experian has failed to validate my claim thereby reporting a CHARGE OFF of my account from XX/XX/XXXX till date which has affected my overall credit score negatively. 

After getting some good news from CFPB and informing Experian of the outcome of the dispute I submitted Consumer Financial Protection Bureau ( Ref. No. XXXX ), Experian has still failed to update my account. 
I have uploaded proof on the experian.com/upload website and the customer care folks from Experian said they can find the upload. The whole system is flawed and the XXXX XXXX that is been perpetuated by Experian by the negative credit score reported monthly for 4 months is totally unfair.
Consumer complaint received 2023-11-19
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. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent a copy of my Drivers license and mail to show my address but they will not move incorrect information and I will insert the laws that they are breaking form FTC, CFPBand NAAG. tHANK YOU FOR ALL YOUR HELP WITH THIS MATTER.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how XXXX XXXX has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, XXXX XXXX has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with XXXX XXXXXXXX, which was fully paid off and closed in XXXX, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with XXXX XXXX but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with XXXX XXXX regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with XXXX XXXX. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

P

ursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX XXXX bankruptcy needs to be deleted from my credit
reports.
Consumer complaint received 2023-11-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX