davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT *XXXX  - Account # XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2023-10-18
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)

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.

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 2023-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/, I requested XXXX ( XXXX USD ) to be transferred from my XXXX XXXX  account to my XXXX XXXX  account via XXXX XXXX The money was traded on XXXX XX/XX/. To make the transfer, XXXX wired the funds to CitiBank XXXX. The transaction was rejected on XXXX XX/XX/, and XXXX XXXX XXXX XXXX department never received a record of the funds. 

I opened an inquiry with XXXX dated XXXX XX/XX/2023 regarding an international wire transfer fund. The case has not been resolved. They advised that I reach out to XXXX. When I reached out to XXXX, who can not help since the money never made it to them, advised me that XXXX must request a recall from CitiBank XXXX to return the funds. I have been in contact with XXXX over the course of 6 months and they have tried to reach out to CitiBank 5 times, but CitiBank has not responded or refunded the missing XXXX. 

Since I have no relationship with CitiBank XXXX, without an account number and as used as an intermediary between XXXX and XXXX, I have little ability to push this case forward.
Consumer complaint received 2022-09-29
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-29
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: AES/PHEAA (DE)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: N.A.R., Inc. (ID)

The collection company had sued me for a car repossessed that I co-signed. They originally were asking an amount of {$10000.00} which was what the bank claimed they had in lost after they repossessed the car. After going back and forth on the how much the car was truly worth, the collection company made me an offer to lower that amount to {$5700.00}, which I ended up accepting since I didn't want to spend money on a lawyer or anything. So the final settlement is set at {$5700.00} to repay {$130.00} per month which was signed by the court from the XXXX Judicial District, XXXX XXXX County ( shown on the attached file ). since then I have made two payments which doesn't show on my credit record. 
The problem is that I contacted them ( attached file ) and they refuse to update the collection amount from my credit record. the amount is sitting at {$11000.00} right and it keeps increasing. Since the settlement was finalized the amount had increased by {$780.00} on my credit report, which has caused my FICO to drop 25 points ( shown on the attached file ). 
This has caused me to be rejected from getting a loan from XXXX XXXX for a XXXX I recently had, so I had to get a loan of {$6000.00} from a private party at a interest rate of 26 %.
Consumer complaint received 2022-09-29
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. (WI)

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXX XXXX  ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Consumer complaint received 2023-10-18
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. (CA)

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of XXXX, XXXX, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from XXXX that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this removed.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed (UT)

Trellis Company # XXXX is reporting inaccurately on my credit report. This was included in my chapter XXXX bankruptcy that I filed back in 2016. This account should not be reporting as an active collection.
Consumer complaint received 2022-09-29
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2016 Balance : {$2500.00}
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I previously opened a complaint against Capitol one. They have been holding over {$4500.00} for months. They said when all disputes are closed on my account they would close my account and release the money. I received notice that the final dispute has been closed and they havent made any effort or intention to move on to closing my account and giving my money back to me
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (OR)

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

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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. (TX)

I noticed SOME UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name. According to the FCRA, these UNVERIFIED and UNAUTHORIZED inquiries must be removed. 

Name of Credit Bureau : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (GA)

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud
Consumer complaint received 2022-09-29
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. (CA)

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2023-03-25
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: CITIBANK, N.A. (NC)

Fraudulent inquiries made using my information were made that I did not authorize XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these are all dates of the inquiries I did not authorize XXXX approved the inquiries allowing fraudulent credit card account to open resulting in XXXX dollars of debt on XXXX And XXXX XXXX XXXX XXXX XX/XX/XXXX resulting in XXXX dollars of debt I filed a dispute form for fraudulent accounts with XXXX and freezed my credit as well as placed a fraud alert on my credit report
Consumer complaint received 2023-02-22
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-22
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. (IL)

I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent XXXX forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have XXXX addresses listed and XXXX names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.
Consumer complaint received 2022-04-15
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. (NJ)

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2022-04-15
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. (CA)

Transunuion violated my rights on XX/XX//2022.

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Consumer complaint received 2022-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (GA)

Sallie Mae student loans taken out during pandemic affected my gpa and status to receive federal student aid eligibility. Cant afford to pay what they are asking and co-signer wont be released without graduating. Changing in learning during and following pandemic has shifted my future plans regarding higher education.