davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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)

I recently reviewed my credit report and noticed I have two late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached
Consumer complaint received 2024-04-04
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. (NV)

XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX is violating my rights by listing late payments per fcra 15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information. 
third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code $ 1666b timing of payment
Consumer complaint received 2024-04-04
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)

ACCOUNTS XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-04-04
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. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Under federal law, you have XXXX  ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.
Consumer complaint received 2024-01-03
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'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 2024-06-14
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. (PA)

According to FCRA 605B, any erroneous accounts should be removed from my credit report. Could you review the documents? There are inaccuracies in some of the listed accounts, particularly in terms of amounts and dates.
Consumer complaint received 2024-04-04
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I disagree with Experian investigation results. I demand a detailed explanation of the update done on my report on XX/XX/2024. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX acct # XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

According to FCRA Section 605b it is illgal to report information on my credit report without my permission. I have reach out the Experian Dispute dept and XXXX XXXX # XXXX, XXXX XXXX XXXX. I have sent in documents on my behalf to remove these items completely from my credit report. Experian are reporting incorrect information my credit report. In according the CREDIT REPORT ACT this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 16819section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. I wish to have these account deleted from credit report.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I was pulling my credit report because I am in the process of buying a house and noticed collections on my account that were not mine. Caine and Weiner company says that I owe {$210.00} for a XXXX XXXX. I am currently still with XXXX XXXX and everything is up to date. This is not me and I would like this collection removed from all credit reposts asap
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I consumer XXXX XXXX currently submitting a complaint against Credence Resource Management LLC a debt collection company attempting to collect an alleged debt not owed PLEASE SEE THE FOLLOWING ATTACHMENTS. The attempt to collect on this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given Credence Resource Management LLC consent to have my personal information nor to contact me in which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt that in attempt to collect Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently attempting to collect. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out of there systems and Credence Resource Management LLC is put on notice from reporting such account on my consumer report ( XXXX, XXXX, XXXX ) as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see the following attachment sent to Credence Resource Management LLC through the CFPB with this complaint and delivered with XXXX. Do to Credence Resource Management being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;.
Consumer complaint received 2024-04-04
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NH)

COLLECTION acct # XXXX removed on XX/XX/2024 report # XXXX they XXXX XXXX XXXX are defrauding and interfering with HUD investigation on retaliation by removing collections during investigation then adding back on. 
Added on XX/XX/2024 repo # XXXX
Consumer complaint received 2023-09-21
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: Bread Financial Holdings, Inc. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NY)

Navient was the company to collect my student loan, they had increase my debt double of what I had taking the XXXX. NAVIENT was sued because of what they have been doing to us student borrowers. Please can my debt be considered paid off, due to Navient trying to abuse of us student borrowers my email is XXXX to give you more information. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (UT)

ENHANCED RECOVERY COMPANY Reported : XXXX. XXXX, XXXX XXXX XXXX {$210.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos I have reported this account numerous times through the means of credit reporting disputes and nothing has been done about it.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (GA)

I filed fraud because I lost my card and seen it was being used, i disputed the charge and it directed me to call. During the time of my dispute, I had no access to any of my funds they restricted any acess I had to my money. This morning I get an email my dispute was denied because I was determined to authorize it. I got no other explanation and theres no other way to contest this dispute. I had submitted XXXX request about XXXX days ago of these situations that were escalated and I was assured XXXX would be getting back to me, and they never did. I did not authorize the charges which is why i filed as fraud, but for the reason of denial to be that I in fact did when I initiated this dispute because i did NOT I would be expecting some type of proof or reasoning on how this determination was concluded. I did not get either. They blocked my access to do bank transfers, as well as acess a virtual card. I had to do an instant transfer and even then the representatives told me I couldn't since I no longer qualified. I tried and by the grace of XXXX there must have been a glitch because it worked. I also did not get any communication from the escalation team from the fact they restricted my account and all my access to my funds. Or any explanation to why my fraud dispute was denied because they determined that I authorized charges I clearly said I did not.
Consumer complaint received 2022-10-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX and XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-04
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. (IN)

Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and Experian all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as XXXX and Experian are all ignoring the emails to keep my credit score low.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

On XX/XX/XXXX XXXX XXXX company added XXXX XXXX XXXX for {$1300.00} on my report that I am not aware of. I have never been contacted by XXXX  or anyone else regarding this account, I was notified by Experian. I have never been billed, nor know who the medical facility or provider is that the original debt belong to. My insurance has never been billed either, because I have no denied claims. I have disputed this information, as well as mailed a letter to XXXX disputing these accounts, because XXXX is obviously a duplicate. This is severely impacting my credit and it needs to be removed immediately. I pay all bills in a timely manner that are mine.
Consumer complaint received 2024-04-04
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. (PA)

According to XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX explained that a furnishers continuing failure to mark an account as disputed constitutes a violation of 15 U.S.C. / 1681s2 ( b ). 

XXXX XXXX is in violation for not marking ( 2 ) accounts below in dispute after I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and XXXX Bank XXXX XXXX on XXXXSee screenshots attached. Experian Credit Report # XXXX Date XX/XX/XXXX. 

The screenshots PROVE that both accounts had not been updated in the Comments section since XX/XX/XXXX. ( VIOLATION under 15 USC 1681s ( 2 ) ( b ). 

I demand both accounts be deleted immediately as I will seek legal representation if I am forced to. 

Remove both accounts for violation. 

XXXX ) XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX