davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (MI)

I am writing to formally lodge a complaint regarding the unauthorized changes and fraudulent accounts on my consumer report. Despite my numerous attempts to contact Experian and seek resolution, I have been unable to obtain any satisfactory assistance. I believe this situation is a clear violation of consumer rights and raises serious concerns about the security and accuracy of my personal information. 

The unauthorized changes made to my consumer report include the alteration of my password, email address, and phone number, all of which were done without my knowledge or consent. This unauthorized access has put my sensitive information at risk and has potentially exposed me to further fraudulent activities. 

I request that Experian promptly forward to me the details of the fraudulent email address and phone number listed on my consumer report. Additionally, I require the exact date and time when these changes were made for my personal investigation and records. It is crucial for me to understand the scope and timeline of this breach to take appropriate action to safeguard my identity. 

Furthermore, I am deeply concerned about the presence of fraudulent accounts on my consumer report. Experian 's response to my report of these fraudulent accounts has been disheartening, as I was informed that Experian does not bear responsibility for ensuring a complete and accurate consumer report. Instead, I was directed to the furnishers of the information, who claim the authority to delete any reported information, leaving me without a viable option for addressing the fraud that has occurred. 

I must emphasize that I hold Experian accountable for safeguarding my personal information and providing me with an accurate and reliable consumer report. I believe that Experian has failed in its duty to protect my data, and this negligence has caused significant harm and potential financial repercussions. 

I kindly request that Experian takes immediate action to rectify this situation by thoroughly investigating the unauthorized changes, providing me with the requested details, and taking appropriate measures to ensure the accuracy and security of my consumer report. I also expect to receive a written response within [ specify a reasonable timeframe ] outlining the steps Experian will take to address this matter. 

If a satisfactory resolution is not achieved, I am prepared to escalate this complaint to the relevant regulatory authorities, including the Consumer Financial Protection Bureau and the Federal Trade Commission. I am also considering seeking legal advice to protect my rights and seek appropriate compensation for the damages I have suffered. 

I trust that Experian will treat this matter with the urgency and seriousness it deserves. I look forward to a swift and satisfactory resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX  I received an email from the Dept of Education regarding the discharge of my student loan with XXXX. I reached out to XXXX and have been unsuccessful in removing or receiving any remedy regarding this matter.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

on XX/XX/XXXX I disputed accuracy on a account that was inaccurate and Experian responded on XX/XX/XXXX accused me of not being be when I have provided proof of address and a proof of i.d . On XX/XX/XXXX I responded to the accusations of their response with another letter telling them to continue the investigation. on XX/XX/XXXX they responded once again stating that they believe the letter is not coming from me.
Consumer complaint received 2023-07-14
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-19
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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. (OH)

in accordance to 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. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) APERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INNACURATE
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, 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)

I received an email from Experian saying I have a credit increase, when I tried to login the account belong to someone else. This is breach of someone else credit information using my email to login and reset the person password. This should not be happening, someone else could have my information sent to their email with the same issue.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has sent my information to XXXX XXXX XXXX for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX of XXXX which is false and illegal.
Consumer complaint received 2023-07-14
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. (TX)

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on www.myfexaccount.com per instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for www.myfexaccount.com re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the Better Business Bureau XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or The Better Business Bureau.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS. I SHOWED THEM MULTIPLE TIMES OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. I HAVE PROOF OF MY LETTER FOR THAT. 

ALSO, ACCORDING TO 15 USC 1681 S-2 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. 

THIS IS VIOLATION AFTER VIOLATION. THIS IS CAUSING ME STRESS BECAUSE I HAVE NO HOPE WITH THIS SYSTEM.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

I have tried every possible avenue to talk to AMEX. The silo culture is unreal. You can not talk to a single human being who knows anything other than their small part. I was drugged, threatened with blackmail to my family, and threatened by people who called my phone threatening to kick in the door of my home over transactions made by organized criminals wanting additional cash payments. Multiple police reports filed, the specific business involved was recorded threatening me directly, and AMEX does nothing. A year ago I broke down XXXX, and their reps landed me in a XXXX XXXX. I lost my job a year ago, largely as a result of this total incompetence. I worked in the XXXX XXXX XXXX XXXX for 20 years and I could no longer function at all. My wife called them the night this happened begging and pleading to please cancel the card, this isn't normal, he comes home. A {$55.00} dollar balance hit {$26000.00} in less than 48 hours. I am now being called by them over and over to make payments. I have lost everything, my job, my XXXX, my savings, and my marriage. This was an organized crime scheme, I never entered these places myself, I had to look at the charges and the names because I had no idea where I had even been, the people who drugged me drove me there themselves. This is insane. Now they have reversed their decision put in writing, even after I have been paying them off to attempt a reasonable solution. I've lost everything. And the only reason they call me is if I stop paying them. This is completely out of control and I can't even talk to anyone beyond mid management.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

The account was created in 2018, it was fraud. Some one opened a XXXXt account in my name and now it is a charge off under my credit report. I reached out to the debt collector XXXX but they never follow thru in sending me the correct paper work to my address to handle this problem. I also think they are guilty of zombie debt because this has been on my credit serve different times with different dates of active.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol One Bank has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/2023 I notified Capitol One Bank that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capitol One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that Capitol One complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Consumer complaint received 2024-03-20
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. (WA)

It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and Transunion. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to XXXX, XXXX, and Transunion.
Consumer complaint received 2023-07-14
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: LCI Acquisition Inc. (IL)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. According to : 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. According to : 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. 
ONLY XXXX CREDIT BUREAU HAS REPORTED THIS PUBLIC RECORD ON MY REPORT.
Consumer complaint received 2021-01-09
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. (NV)

I received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.