davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian employees have been deleting my account information after XXXX XXXX sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my Experian account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time XXXX XXXX payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from Experian employees stating Experian deletes account info. 

Experian Dispute Department of Experian Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX- 1 hour 32 minutes 39 seconds XX/XX/2020 " XXXX XXXX did not report for the month of XX/XX/2020 '' " XXXX XXXX reported to Experian before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department Experian agent women named XXXX XX/XX/2020 at XXXX XXXX : " XXXX XXXX reported no information for the month of XX/XX/2020. '' " Your account information has changed since the Experian agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of Experian and XXXX XXXX, it is fact that XXXX  XXXX has sent false multiple debts to Experian for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( XXXX XXXX ) has to report accurate information to reflect on the credit report. 

XXXX XXXX is in violation of FCRA regulations as shown by the evidence pdfs provided. 

Experian employees are deleting information sent by the creditor XXXX XXXX and have erased information from my account. 
Experian also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.
Consumer complaint received 2022-10-25
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. (AZ)

I called to request a dispute with my current XXXX XXXX where I am listed as an authorized user. I was very specific as there are two XXXX accounts on my name, the Rep verified the correct acct and filed the dispute { Report # XXXX on XX/XX/22 }. I wanted the pay off amount to be updated on the new card. 
Again my account was updated incorrectly or should I say the verified acct wasn't updated but the other card was. The " other '' card was used for fraudulent purchases so I did not want that account to be updated or anything on my file until settled properly.
Consumer complaint received 2023-08-07
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. (TX)

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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to XXXX XXXX, XXXX, and Experian all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days XXXX  IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries Experian is Reporting fraudulent accounts XXXX And open loans
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 resulted 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 VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Consumer complaint received 2023-01-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

In accordance to the federal credit reporting act, this creditors Portfolio Recovery and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc. (KY)

XXXX XXXXXXXX XXXX XXXX / EXPERIAN Amount Type~ Collection Date Opened XX/XX/XXXX XXXX  Collection Acct- {$1000.00} past due XX/XX/XXXX Balance Updated- XX/XX/XXXX Terms XXXX Months - On record XX/XX/XXXX XXXX DIDN'T DO ANY OF THIS THIS IS FRAUD AND IDENTITY THEFT FOR SURE. HAS BEEN GOING ON FOR YEARS AND I'D LIKE TO BE REIMBURSED FOR EVERYTHING!!! MY CREDIT IS RUINED I CANT DO ANYTHING FOR MYSELF IM REPORTING TO POLICE AS WELL. 

XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX - XX/XX/XXXX They're Taking XXXX Dollars on my XXXX XXXX XXXX and Another Collection Worth XXXX.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I filed Police report with XXXX Police Department and I submitted the police report to Experian Per FCRA 605B and Experian has refused to follow the Identity Theft Law Pursuant To FCRA 605B 15 U.S.C. 1681c-2. I have been a victim of Identity Theft and I requested that this be addressed regarding the listed accounts within the police report.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The following laws have been violated by Experian : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.
Consumer complaint received 2022-10-25
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. (IL)

This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. I do not have ant account with XXXX XXXX.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
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 2022-11-14
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. (MN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (CA)

Discover card is informing customers that when they do a balance transfer in addition to normal purchases "... minimum payments are applied to balances with lower annual percentage rates first. Any amount paid above the minimum payment will generally be applied to balances with higher APRs. '' However, they are also not accurately relaying " If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that.You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date. '' So, what is happening is a customer will pay their minimum payment plus their entire purchases balance, but Discover will still charge them interest on that purchase balance, one that has just been reduced to {$0.00}. 
I do n't believe it is fair to charge people interest on a balance they have reduced to {$0.00} for that statement. 
An example {$10000.00} balance transfer with 0 % promo APR. Normal purchase APR of XXXX % ( for simplicity ). If a person makes {$1000.00} in purchases and has a minimum payment of {$200.00} for that month, and then they pay {$1200.00}, they will have a {$9800.00} balance remaining on the balance transfer, {$0.00} on their purchases balance, but Discover will still charge them {$100.00} ( 10 % ) for the {$1000.00} in purchases. 

It ca n't be right for people to be charged interest on a balance that is being reduced to {$0.00} on time and never carried over into another billing cycle. My situation was taken care of ( {$20.00} refunded. I caught it quickly ), but people need to be better warned when taking on a balance transfer. What if someone made a massive purchase with a high APR expecting to pay it off that same month when they had a balance transfer balance? They 'd get hit with instantly accruing interest not even accruing over at the billing cycle.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Collection Agency LLC (NE)

On XX/XX/23 and XX/XX/23 Yesterday XX/XX/23 I received notice from the collection agency that I owe 2 debt 1 from XX/XX/23 for XXXX from XXXX XXXX XXXX and on XX/XX/23 for also XXXX and also from XXXX XXXX XXXX no action as been taken by me at this time because I don't know what these debts are for or why I even owe these debt I also don't know who they are for either because I was never at the above company during the above dates so don't know why I have been sent to collections
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
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. (FL)

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account XXXX XXXX XXXX XXXX XXXX # XXXX is not my account or related to me. I have contacted Experian which is the only bureau reporting this improper account. I asked them to provide me with method in which they verified and added this account to my credit profile. They did not provide me with this information requested.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-03
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

Last purchase I made with card that was authorized was XX/XX/2021. This was for an expansion game that was not released. 

My account was terminated so therefore could not make anymore purchases. Purchases after this was made using my card, however was under impression they were automatic charges. I reached out to company that charges were made to and they would not provide refund. I contacted Discover Credit Card and made a dispute. The dispute came back to someone else 's name on the charges. Opened up fraud claim due to this since I did not authorize these charges nor person who made charges. Discover said because I made a purchase with merchant in the past, that I am liable for all future charges.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

Cease and Desist Communication Regarding Collections/Charge off Account Velocity investments LLC I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.