davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (CA)

Experian continues to harm my credit standing and financial reputation without cause. 

I submitted a complaint dated XX/XX/2019 outlining all of the issues : " My complaint with Experian Credit Reporting is their irrational and inexplicable XXXX scoring which manifests in whiplash changes up and down : unjustified significant negative point swings, inconsistent negative/positive point swings, lack of logical justification for negative point swings reductions in scoring for high outstanding credit balances while they send me offers to apply for new credit cards that will only increase the credit balances already criticized. '' My score went to Good from Poor Now in a matter of recent days, they dropped my score XXXX points when my credit history has only improved. 

They dropped it from Good to Fair. from XXXX to XXXX without justification. My credit balances continue to decrease, my revolving debt is {$700.00} with XXXX XXXX. My installment account, XXXX XXXX is down {$2500.00} and my mortgages are current. I just got a new account for carpet for one of my rentals with XXXX. This is all POSITIVE - all good indicators that I am trusted and that I am dilligent in reducing my revolving to extremely low levels. XXXX XXXX, XXXX XXXX and XXXX XXXX are all PAID OFF. The 12 % revolving debt is OVERSTATED. 

Experian should be insisting that creditor relationships update their records daily. The balance on XXXX XXXX is WRONG. It has been paid in full for over a month. Also they are not showing the reduction with XXXX XXXX. But they show when the mortgage has been reducing. 

I am of the belief that Experian is retaliating against me for filing a CFPB complaint. 

I am urging CFPB to forward this complaint record to the Federal Trade Commission. 

Experian should not be allowed to conduct business and hurt good consumers who are working hard to have a positive credit standing. 

THIS IS TOTALLY UNACCEPTABLE. 

Experian needs to be sanctioned, sued - there is no excuse for this treatment to an American consumer as they play XXXX with my life. 

Shame on them! 

This is a disgrace. 

I would like to see all the Experian employees credit scores, I bet they manipulate their files to XXXX. 

XXXX  has me at XXXX XXXX at XXXX There is something serious wrong here with Experian and their processes, logic, and business rules. This is discriminatory, defamatory, and need to be stopped.
Consumer complaint received 2023-06-01
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX  # XXXX, has violeted my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for a purpose
Consumer complaint received 2022-05-18
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. (OH)

I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) Experian XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022
Consumer complaint received 2022-05-18
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 (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Consumer complaint received 2022-05-18
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: Bread Financial Holdings, Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Consumer complaint received 2021-11-12
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. (DC)

On XXXX, XXXX, 2021, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. On XXXX XXXX, 2021, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of XXXX points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

Three months ago I tried to add an external checking account to my Chase credit card so I can pay from that account. The account gave me an error when I tried to add it. I sent a secure message detailing the issue and was given canned responses such as instructions on how to add an account ( which I followed to the letter ). I called the customer service line and was given similar responses and when I pressed for someone who could better assist me I was placed on hold for hours, seemingly indefinitely. It appears Chase is not interested in helping me solve this problem so I am reaching out to the CFPB for assistance.
Consumer complaint received 2022-10-12
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. (PA)

Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

Discover Student Loans XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 Re : Dispute of Account Reporting Violations - XXXX Dear Discover Student Loans, I am writing to XXXX dispute the information reported on my consumer report pertaining to my Discover Student Loans. account. I recently obtained a copy of my XXXX XXXX and identified XXXX violations that raise concerns about the handling of my XXXXXXXX XXXX information, as outlined by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, XXXX Institutions are prohibited from reporting XXXX XXXX information to XXXX XXXX parties without explicit consent. It has come to my attention that Discover Student Loans, being a XXXX institution, reported my account information to XXXX XXXX parties such as XXXX, XXXX, and XXXX. This action is a direct violation of the Fair Credit Reporting Act, as it discloses XXXX XXXX information resulting from the transactions between myself and Discover Student Loans.The FCRA considers my line of credit with Discover Student Loans as a XXXX XXXX transaction between me and Discover Student Loans. 
Discover Student Loans. However, violated the FCRA by reporting my XXXX  transactions and experiences with my line of XXXX to XXXX, XXXX and XXXX, entities that were not originally listed on my contract with Discover Student Loans. 
The reporting of my information to these XXXX XXXX parties occurred without my knowledge or consent. Discover Student Loans established this reporting without any disclosure to me as a consumer, representing a serious violation of the Fair Credit Reporting Act. No permissible purpose was granted by me to Discover Student Loans to create such a separate transaction or report my XXXX XXXX information. 
I am requesting the immediate deletion of these Discover Student Loans furnished from my XXXX XXXX maintained by XXXX, XXXX and XXXX. Attached to this letter are enclosures that validate my XXXX and support the submission of this dispute. 
I expect this account to be deleted forever in accordance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to maintaining the integrity of my consumer rights and XXXX profile. 

As you can see, Discover Student Loans is reporting my transactions as XXXX, and XXXX days late to my consumer report. According to the FCRA, my consumer report does not include the reporting of my transactions and experiences to any XXXX XXXX XXXX parties. But here, Discover Student Loans clearly reported my XXXX transactions to XXXX, XXXX and XXXX. 

Thank you for your prompt attention to this matter. I look forward to your XXXX response. Sincerely, XXXX XXXX
Consumer complaint received 2022-12-16
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-10-28
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX XXXXXXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Exxon/ Mobil credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Vertical Screen (PA)

Certifphi and their associates failed to perform their due diligence in accordance with the FCRA in that they failed to investigate and certify the accuracy and truthfulness of information contained within the report issued to my employer which has now resulted in an adverse action being taken against me by my employer.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TN)

My husband and I have both received texts and calls from a debt collection agency called Cedars Business Services , LLC. They call from number XXXX ( XXXX ) XXXX. They are saying that an amount of {$130.00} is owed by me ( XXXX XXXX ) to the company named XXXX XXXX, but we've never heard of this. My husband XXXX XXXX and they've a website at the domain XXXX  which claims to be some kind of newsfeed collection and consolidation organization, that we could ascertain anyways. We're not really sure. 

Cedars Business Services , LLC claims that the account was opened up under a very old XXXX account that I haven't had access to in at least 7 or 8 years as I no longer have the password and have been unsuccessful in trying to regain access to the account. I believe the XXXX email account was taken over long ago. Cedars said the account originally owed {$35.00} about 4 years ago and for some reason now owes {$130.00}. However, this can't be possible since, as I mentioned earlier, until now, my husband and I have never heard of XXXX and I've no access to the XXXX account the alleged XXXX account was registered under. 

Cedars Business Services , LLC Reference code for this collection attempt is : XXXX I've told them that this is in error but they've contacted my husbands number and sent him several text messages. So far, it seems that the only identifying information Cedar 's has about me is my first and last name, my husband 's and my phone numbers, which we've both had for at least 10 years, and this old email address. They don't have any other information and we're not going to provide them any other information about us they don't already have as we believe this to be a scam by usenetnl, or simply fraud by an unknown party. 

Lastly, other research into usenetnl found that many people who have tried to use usenetnl found that the services they claim to provide are bogus and they are unfairly representing the services they provide on their website to attract unknowing patrons and subscription services. Quite simply, those that have used it, claim it is a scam and have warned others not to sign up for this. This along with the fact that usenetnl is not a well known brand in the US, is another reason that leads us to believe this is a fraudulent collection attempt by XXXX via Cedars Business Services , LLC. 

Known Scam Link 1 : https : XXXX Known Scam Link 2 : XXXX XXXX XXXX  Known Scam Link 3 : XXXX : XXXX
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (IL)

After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (OR)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for a new XXXX XXXX XXXX XXXX with the following welcome bonus offer and confirmed it in writing as well through customer service on XX/XX/2021. Transcript below : However, now the customer service is telling me they don't see any offer attached to my account. 

In this XXXX XXXX XXXX XXXX can earn : a ) XXXX Bonus Marriott Bonvoy Points after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. b ) Two bonus Free Night Awards from XXXX XXXX, you must use your XXXX XXXX XXXX American Express Card to complete {$5000.00} ( the Threshold Amount ) of eligible purchases within the first 3 months ( 92 days ) of Card Membership, based on the date of your Card approval. ~ Qualified Spend Amount : {$350.00} ~ Remaining Spend Amount : {$4600.00} The 92 days will be completed on Friday, XX/XX/XXXX, XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

These collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

SOUTHWEST CREDIT SYSTEM Original creditor : XXXX XXXX {$82.00}
Consumer complaint received 2019-11-21
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)

These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the XXXX of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXXXXXX {$82.00}
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-16
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. (IA)

Ive contacted several times to XXXX XXXX telling them my credit report shows as closed when it is open! Ive even disputed it through the credit report and they just sending information and say it is still closed!