davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, I am writing today as I have encountered an issue with the Experian Credit Bureau. I am a XXXX  individual who went through the legal name change process to update my first and middle name through New York State Courts. My last name, social security number, date of birth, address, phone number and email address all have stayed the same. I have updated my legal name on all my creditors, bank accounts, employment, Social Security Administration, NYS License and Birth Certificate. I called Experian who I pay monthly to monitor my credit as I have their app and inquired about updating my legal name with them. The Experian Supervisor instructed me to upload my updated my legal name documents to Experian/upload. I uploaded my court order, my updated Social Security Card and my updated New York State License. After 3 business days I received an email that they have updated my Experian account to reflect my updated first name. I logged into my Experian app today as I do daily to check my credit report and it showed that I no longer have a FICO score. I called Experian customer service and received no help. I escalated the inquiry to an Experian Supervisor who told me they can't help me resolve the issue, that the creditors need report with my updated name. I have updated my name with all of my creditors and they have been reporting my legal name to Experian. I am XXXX XXXX XXXX and have worked hard to earn a good credit score of XXXX. I pay my bills on time every month. I need this problem rectified as soon as possible as it is causing issues with my ability to run my credit for purchases.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon checking my credit report on Equifax XXXX I noticed inaccurate inaccurate information is being reported on my credit report from credit card company ( XXXX XXXX XXXX  ) credit card account ending in XXXX hasn't reported any balance history since XXXX and recently I paid off the account as of XX/XX/XXXX and the company blocked my avaliable credit stating they wanted my to submit a bank statement to proved the payment on XX/XX/XXXX {$370.00} was from my account and I did so even additional proof of screen shots from my XXXX account showing payment completed. This is an act of discrimination and credit report abuse please unblock my available credit and fixed my balance history on my credit report.
Consumer complaint received 2024-03-07
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)

Provided personal information to 3rd party affiliates against, XXXX XXXX XXXX was contacted on multiple accounts to no avail or response. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2024-03-07
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. (FL)

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report
Consumer complaint received 2023-06-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX CONSUMER ADJ CO Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor.

* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX XXXXXXXXXXXX XXXX AND XXXXXXXX XXXX SUBMITTED INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. I REQUESTED ITEMIZED LIST FOR VALIDITY. THE XXXX XXXX DID NOT INCLUDE MY SECURITY DEPOSIT IN THE BALANCE. SHE ARGUED WITH ME STATING SHE WAS POSITIVE I PAID NONE. I RECORDED OUR CONVERSATION AND INFORMED HER I HAVE MY LEASE THST SHOWS I DID PAY XXXX DEPOSIT. ALL EVIDENCE HAS BEEN SENT TO XXXX XXXX AND XXXX XXXX  VIOLATION OF REPORTING INACCURATE AND INCOMPLETE INFO
Consumer complaint received 2024-03-07
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. 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 XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-17
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: TRANSWORLD SYSTEMS INC (UT)

Transworld creditors put a delinquency open on my credit owing from XX/XX/XXXX  in a home that i never lived in. I am requesting any documents that I signed this. I will not pay for something I didn't sign.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an original consumer contract with my name on it ) that you have on file for the account listed below. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX different dates of last activity., there are XXXX different account STATUS, TRANSUNION is reporting a DEROGATORY, while XXXX reports a PAID account XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.
Consumer complaint received 2024-03-05
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. (PA)

Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-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 results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: TD BANK US HOLDING COMPANY (NY)

I have been trying to get this Late off my credit report for months. I have sent in 3 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

Ally Financial violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Ally did not verify employment or verify it was actually me getting the loan. Ally requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of XXXX  lending. Ally has not sent me the original indebtedness in its original form.
Consumer complaint received 2024-03-07
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. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

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 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Im not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX.I never promise to owe or pay them anything, because I never signed a contract with them. They did not provide me with the original contract as requested. The continued reporting of this inaccurate information is a clear violation of the FCRA and more so a violation of 15 USC 1681 s-2. This has caused me and my family harm, due to the negligence of the inaccurate reporting. I would like this collection removed from my account expeditiously.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Dear CFPB, Last fall, I successfully applied for a XXXX XXXX credit card and purchased a pair of XXXX blue jeans. The cost of the blue jeans was {$95.00}, and I paid off the entire balance by personal check on XXXX XXXX, XXXX. However, Comenity Bank has continued to charge me $ XXXX in interest on a {$0.00} balance. 

According to the my most recent statement, I currently owe Comenity Bank {$250.00}. I have attached a number of screenshots from the Comenity Bank website as documentation as well as a screenshot of my Bank XXXX XXXX statement, revealing that Comenity Bank cashed my check for {$95.00} on XXXX XXXX, XXXX 

How is it possible that I owe Comenity Bank and XXXX {$250.00} on a {$95.00} purchase that was paid off XXXX months ago? 

My complaint is that Comenity Bank and XXXX are engaging in deceptive and predatory credit card/lending practices for the sole purpose of defrauding their customers. I refuse to pay junk fees and non-existent interest on {$0.00} to Bread XXXX, Comenity Bank, and/or J.Crew. Bread XXXX, Comenity Bank and XXXX are engaged in a scam to bilk customers out of their hard-earned money. 

Thus, any assistance the CFPB could provide would be greatly appreciated. 

Feel free to contact me directly if you have any questions. My cell # ( XXXX ) XXXX. 

Sincerely, XXXX XXXX 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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate/delete the unverifiable item below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.