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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  credit card account, XXXX XXXX XXXX  mortgage account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I am writing to formally dispute the handling of my recent complaint, CFPB Complaint # XXXX, filed on XX/XX/year>. My name is XXXX XXXX, and the issue concerns incorrect information on my personal consumer report. 

Despite my dispute, Experian has not properly investigated the matter, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). As of XX/XX/year>, the company 's response is still in progress, and I have not received a satisfactory resolution. 

I request that Experian conduct a thorough and accurate investigation of my dispute and correct the incorrect information on my report promptly. Failure to do so will compel me to seek further action to protect my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
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: ENOVA INTERNATIONAL, INC. (CA)

XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$6500.00} According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail
Consumer complaint received 2023-01-10
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. (VA)

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 : XXXXXXXX XXXX  Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : 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 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 2022-08-13
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. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2022-08-13
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

In XX/XX/2019 i signed up for a American express XXXX card where the promotion was within 3month if you spend XXXX you will get XXXX bonus hilton point. After 3 month when i ask them where is my bonus they say you are not eligible, which they never communicate at time of application or by mail, and i have a good score, no default in history, they are not even giving a reason why i am not eligible for bonus. 
I want two answer. 
1-> If a customer not eligible for some bonus why dont they communicate.

2->What basis they made that i am not eligible for offer.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunset Solutions Group, LLC (CO)

The company keeps calling me and my family about debt but will not validate the debt. I asked for them to mail me a copy of validity of the debt and they wont. They also said I signed a form on XX/XX/XXXX which I didnt. They sent me that form and it wasnt my signature it was definitely forged. They are being super shady and will not give me paperwork on the debt.
Consumer complaint received 2020-10-28
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)

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-08-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-02
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. (MO)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (CO)

To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information. 

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information. 

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me. 

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: MARINER FINANCE, LLC (PA)

I received debt collection documents in early XXXX stating that I owed XXXX for a loan that was not mine. I responded to that debt and on XX/XX/2022 they sent me another letter with the same information with someone with the same name stating I owed them XXXX for debt. 

In late XXXX, I received a notice from XXXX XXXX XXXX stating I needed to respond to a lawsuit that has been filed against me for this debt that is not mine. 

I responded on XX/XX/XXXX to XXXX XXXX court with my personal information that would prove that this debt is not mine, last XXXX of social and date of birth. 

On XX/XX/XXXX, XXXX XXXX court sent me a trial date to attend for this frivolous debt. I never lived in XXXX and am a XXXX resident. The court date is set for XX/XX/XXXX I've XXXX hours away. 

I called Mariner Fiance on XX/XX/XXXX to let them know they have the wrong person and provided them with the last XXXX of my social and they still stated they are taking me to court after verifying the debt is not mine. They also admitted that this was a mix up but since their lawyers are now handling it there is nothing they can do which is not true. They can call then and tell them to drop the suit. This just sounds like they are hoping to don't show up so they can just collect on me. The lady who first answered just told me not to respond since they don't have my information.
Consumer complaint received 2020-11-16
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. (FL)

On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those 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 you caused me.
Consumer complaint received 2024-02-02
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. (CT)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OH)

I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she  agreed to be be recorded.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (NC)

Tek-Collect Incorporated is holding a collection account in my name. I am unable to verify the debt as they show that their license are suspended in the state of NC with a Notification of Revenue Suspension dated XX/XX/2017. 

This is causing a very negative impact on my credit report as it shows an amount of {$1100.00} with an original amount of {$1100.00}. I would like to have those removed since this company should not even be collecting or can not validate any of my requests.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX representing XXXX XXXX XXXX pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on active duty and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I have several collection accounts on my file from a collection agency named Account Resolution Services i sent a written request via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all 2020 requesting debt validation of these accounts and the above company failed to respond. Also this company is not licensed to collect in my state i have called several times and requested the company license number to look up the company all they do is transfer me to a supervisor that never answers or return my calls after leaving messages. Please be advised that i am disputing these collections due to the fact that the collection agency account resolution services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX does not currently have a valid license in illinois to collect on debts. According to the illinois department of financial and professional regulation i am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that ARS are licensed to collect debt in illinois. Your immediate response will be greatly appreciated.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I paid my Capital One credit card in full on XX/XX/2020. Capital One is still reporting to all the credit bureaus ( XXXX, XXXX  and XXXX  ) as a  delinquent account. This information is falsified and discriminatory. 

I've sent letters to Capital One about this issue, called them and I have filed a dispute, yet no changes. 

Why am I as a consumer/customer being defamed and made to look like I'm still delinquent. Is this because I can face long lasting disparities as a consumer?
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (GA)

I was applying for a job that did a background check they sent me a copy of the background check on XX/XX/XXXX and the information in the report is not correct and one of the reports on my record back in XX/XX/XXXX. should not have been there this company supposed to only go back seven years not something that happens in my pass that was supposed to be done as a juvenile record. then in XX/XX/XXXX, i have no knowledge of.