davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (TN)

I sent a request for valid verification of certain items Im unaware of on my consumer report that are saying belongs to me. I sent a letter to Experian on XX/XX/2024 certified requesting an investigation and proof bearing my signature and knowledge of these accounts. Experian is in violation of : Under 15 USC1681 ( a ) ( 1 ) ( A ) subject ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency of any item of information is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice from the consumer.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Department of Education 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 2019-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX  's enrolled me in a third party scam called XXXX XXXX. XXXX XXXX have charged me various fees ranging from {$10.00} to {$8.00} that would change each month on top of their 25 % + interest rate. I had lost my card and went in to the store on XX/XX/XXXX to have another one mailed to me. They auto enrolled me in a program called XXXX XXXX. I never gave consent verbally or written of this program. No one in the store informed me that they were enrolling me in a program called XXXX XXXX  or that there would be any additional fees associated with my credit card account besides my already absorbent interest fee 's. I have tried contacting XXXX XXXX six times trying to get the fee refunded to my account. When I contacting the XXXX XXXX  credit card department they will always transfer you over to the third party XXXX XXXX company and they will deny everything and will send you an identical letter letting you know that nothing can be done and that they will not reimburse you for any of the fees that they have charged. I have felt powerless many times in this situation. No one is accountable, thus it is a major scam that has affected many hard working American families for many years. XXXX XXXX should solely be responsible since they let the wolf into the room and sold them my valuable information in the first place without customer consent and tacking on all the fees ranging from {$10.00}, {$9.00}, {$9.00}, {$8.00}, and would even stop it abruptly just to tack it on the following month always rotating fee amounts for the purpose of concealing it from the customer. They stopped the fee 's in XX/XX/XXXX just to start it again in XX/XX/XXXX. changing monthly to keep the scam up onto our credit card. I felt like a fool because I never noticed for a long time. From XX/XX/XXXX to XX/XX/XXXX they charged me XXXX onto my account. I have been scammed before with identity theft up to 10,000 and it does not feel good to be robbed.I froze all my account back in XX/XX/XXXX so I would have no need for XXXX XXXX. My daughter lost her father to XXXX a few years ago. It makes me sick that XXXX XXXX is prying on a single widowed mother who is barley making it as is. XXXX XXXX Number is XXXX and XXXX XXXX 's number is XXXX. They did nothing for me at all and I do not wish to ever return to XXXX XXXX since they are solely responsible for the $ XXXX+ they stole from me. Additional They want {$3.00} for each billing cycle to receive each statement spanning XX/XX/XXXX to XX/XX/XXXX so it would almost ruin my attempts to receive reimbursement. They then further refused my attempts to receive my statements when I asked and had to be transferred to a Superior and only 3 statements could be reported back to me for free. I am getting nothing in return from XXXX XXXX. I am just getting ripped off. This is a terrible affront to their loyal customers. XXXX XXXX   is filled with scam artists.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

This my third a final complaint against Experian and it seems as they do not have to follow the CFPB or FCRA rules. All they do write the dispute matters will be investigated and we will respond. No responses and now I can not even get an updated credit report or credit score, which I know is against the law.
Consumer complaint received 2023-06-30
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)

This is XXXX XXXX XXXX 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 2023-06-30
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for Transunion Inquiry from XX/XX/XXXX ... Transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX - Transunion XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX sold an collection account to XXXX XXXX with out proper legal documentation. XXXX XXXX   bought this account from XXXX XXXX XXXX and has no original records or proof of this account. 

These two companies have denied me the right to a copy of a signed contract or any proof of who opened this account. Both companies have denied me copies of all accounting of payments and copies of all statements showing on how amount due was calculated. I have sent a notice in XX/XX/XXXX first requesting these documents from both XXXX XXXX and XXXX XXXX and have been denied these documents required by law. It is not XX/XX/XXXX and I have yet to received these documents from either company. They both keep blaming each other and NOT having or providing these documents to me. 

XXXX XXXX does not even have a contact phone number on their correspondences they are mailing and sending to the Consumer Financial Protection Bureau how is this a responsible upstanding company? They sold this account fraudulently to XXXX XXXX with out due process, research and documentation. 

The reference numbers below show and prove that I have requested this from XXXX previously and they did not provide the documents requested according to FDCPA laws and guidelines XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX Ref No. : XXXX
Consumer complaint received 2022-05-03
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. (FL)

XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX  XXXX is no longer extending credit and the account is closed. 


XXXX. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as Open to XXXX, Transunion and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

54. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open to XXXX Transunion and XXXX  consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).
Consumer complaint received 2024-02-09
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-30
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-05-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2022-05-03
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. (CA)

contacted Equifax by phone with assistant due to my hearing loss I needed help. The representative listed all fraudulent inquires on my report, I was informed I can not be helped because of my assistant being on the phone. listed below are the fraudulent inquires I would like removed. 

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (PA)

Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that Experian, XXXX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.
Consumer complaint received 2019-02-07
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. (FL)

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by Experian and reported by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX Bank )  and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from Experian and or XXXX XXXX XXXX  XXXX XXXX and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with Experian, XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to Experian, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX responses to the aforementioned correspondences and this formal complaint letter.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.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 2022-05-03
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  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (IL)

I financed a vehicle from Regional Acceptance through the car dealer XXXX XXXX XXXX in XXXX, Illinois on XX/XX/2020. I paid a down payment and was told that it would be applied to the total amount of the auto loan. However, Ive recently went over my contract and discovered that was a lie. This contract is now considered null and void.
Consumer complaint received 2022-03-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per your response in reference to XXXX, " Potentially negative information, such as late payments, remain on the personal credit report for up to XXXX years from the date of the original missed payment, with the exception of XXXX XXXX, XXXX and XXXX bankruptcies, which remain for up to 10 years. '' The date of my first missed payment was 2015. Please delete this account. 

In accordance with the Fair Credit Reporting act XXXXl XXXX Acct # : 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Consumer complaint received 2022-08-18
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: Early Warning Services, LLC (FL)

After review of my consumer report with XXXX XXXX I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Bank Routing # : XXXX