davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX account number XXXX, 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself.This item is reporting late, yet it is closed and the balance is zero. Lets correct this immediately. I sent letters to Equifax XXXX XXXX, the date of the last letter was on XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint Please delete the account : ( XXXX XXXX XXXX )
Consumer complaint received 2023-10-06
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (FL)

On or around XX/XX/XXXX, I learned XXXX/XXXX  has been reporting inaccurate information to the credit bureaus about me. I filed an identity fraud dispute with the bureaus. The bureaus sent notice to XXXX requesting XXXX to show the debt belongs to me and that it is valid. XXXX could not produce such evidence. Instead, XXXX doubled down on its false reporting by claiming, without any evidence whatsoever that I made payments to XXXX on the debt in XXXX and XXXX, and that I became delinquent in XXXX. I have never made any payments to XXXX since ( 1 ) the account is fraudulent and ( 2 ) I knew nothing about the existence of the the account until XXXX of this year. 

I am certain that others have filed complaints about XXXX deceiving business practice and refusal to comply with federal law relating to reporting false information and identity theft.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I was a Victim of a XXXX list scam. I sold furniture online to a person claiming to want to purchase it. They sent me a cashiers check from XXXX XXXX XXXX XXXX in the amount of {$1700.00} to cover the cost of goods plus prepaid delivery for the furniture. They then requested that I pay the delivery company called XXXX XXXX XXXX XXXX based in XXXX XXXX for the moving fees in the amount of {$1500.00}. Which I did via the XXXX app from Chase Bank. The funds I sent them went through. The moving company never showed up and appears to not actually exist. The cashiers check bounced days later despite showing as available funds in my account after 48 hours.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from my credit report.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

Hello, 1. Due to negative balance, AMEX issued credit balance refund check for {$1200.00} on XX/XX/2019. 

2. Since we are out of USA, we called AMEX customer service to inform that they need to cancel this check and credit the amount to our account. Promptly, AMEX cancelled the check and issued credit for {$1200.00} on XX/XX/2019. 

3. However, due to an error on their side, they issued another credit balance refund check for {$1200.00} on XX/XX/2019. 

4. We again called AMEX customer service to inform that they need to cancel this check and credit the amount to our account.

5. However, as of date, in spite of multiple calls, and after AMEX agreed to cancel the check and issue a credit, AMEX has not done the needful and our account still shows balance of {$1200.00} + fines and late fees. 

6. AMEX has now threatened to report me to credit agencies and also have reduced my spending limit. 

Please see attachments : 1. Issue Transactions - Screenshot showing credit balance refund and credit transactions made on my account by AMEX. 
2. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
3. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
4. Notification of Credit Limit Reduction. 
5. Reporting to Credit Bureaus.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX I went on to American Expresses website to make my monthly payment in the amount of {$60.00}. I made the payment in thexact same way that I have always made it ( through my bank at XXXX XXXX XXXX ). As of yet ( XX/XX/XXXX ) the payment has not been credited to my account. I called AMX on XX/XX/XXXX asking about the payment. I was told that I had never made one. Yet, my bank statement on line with XXXX XXXX XXXX showed the payment being made. I called XXXX XXXX XXXX and they gave me a phone number to XXXX XXXX who is the bank for AMX. XXXX XXXX showed that the payment had been made but, it had been forwarded to a third party bank ( XXXX ) that was also connected to AMX and they gave me an ID # to give to them. I called XXXX and spoke to XXXX who I gave the payment number given to my by my bank And XXXX XXXX. She told me that my payment was there and that it would post to my account on XX/XX/XXXX. On XX/XX/XXXX, no payment showed and I again called XXXX and spoke to XXXX. She told me that it would show when it showed and got nasty. I hung up, called AMX. They took my info down but, could not promise me as to when it would be credited to my account. The payment IDXXXX and Code IDXXXX. XXXX XXXX PhoneXXXX & XXXX Phone XXXX. *I have spoken on a daily basis with AMX about this and nothing is done. BOTH XXXX XXXX AND XXXX are their banks. I made a payment of {$5.00} on XX/XX/XXXX and XX/XX/XXXX and they both posted on the day payment was made. I can provide docs from bank IF needed but dont have at this time.
Consumer complaint received 2022-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (GA)

Company or Organization : XXXX XXXX Bank XXXX, XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} Company or Organization : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} Company or Organization XXXX
Consumer complaint received 2022-05-22
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. (IL)

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 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 consent.
Consumer complaint received 2022-05-22
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)

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 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 consent.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine
Consumer complaint received 2022-05-22
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have sent numerous letters and police reports to Chex Systems in regards to fraudulent checking accounts and inquiries viewed by others being reported on my XXXX XXXX ID : XXXX. Chex Systems continue to report fraudulent checking accounts and inquiries viewed by others on my consumer report, despite being informed that the checking accounts are inquiries are not mine, that I am a victim of identity theft and that Chex Systems has a current police report on file in regards to me being a victim of identity theft. The following checking accounts and Inquiries Viewed By Others currently listed on my Consumer Report ID : XXXX is fraudulent and not my checking accounts or inquiries : XXXX XXXX Credit Union, XXXX XXXX Credit Union, XXXX XXXX Credit Union, XX/XX/2022, XX/XX/2022, XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, and XXXX Bank, XX/XX/2022
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (KY)

I have filed three disputes through their website and sent my dispute via email two times. I have documentation showing that there is no debt owed as my final balance and register was paid. I attached documentation to each email and to the web portal with emails back-and-forth from the property manager showing that I owed is XXXX balance multiple months after I had moved out and that they in fact owed me a refund- national credit has never responded to any of my disputes. Will not return my phone calls and is hanging up on me when I call in.
Consumer complaint received 2023-02-21
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. (GA)

I have talk to the consumer with no luck also talk to credit report I have taken care of all they wanted but yet to change my report also they are wrong only one of the reporting place have this other have no record of problem trying to buy a house need this resolved
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.