davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Heres a letter Ive used in the past : Subject : Complaint against XXXX Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Trains-union may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that XXXX rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of XXXX reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

information repotting on my Equifax 0n XX/XX/20 from XXXX says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.
Consumer complaint received 2022-11-11
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX delete any other address it is not mine.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the rights to privacy ( 15 USC 1681 ( SECTION 6 0 4 A SECTION 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-06-11
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. (TN)

the following accounts were opened in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (PA)

Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place
Consumer complaint received 2024-01-21
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)

I was looking at my report and notice that were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well. 

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause. 

B ) Reporting information after a notice and confirmation of errors. 
If the person has been notified by the consumers, that specific information is inaccurate. 

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (MS)

I got a loan from XXXX XXXX years ago, shortly after I got very ill and had to have XXXX XXXX which forced me to stop paying it bc I was XXXX and couldn't work. They turned my debt over to Mariner Finance whom I got an email from a couple months ago with a debt settlement offer For a {$1400.00} less than what I owe but only valid if I paid the remaining balance in full which I did. When I got my stimulus check I went to their office and paid them on XX/XX/2020 they told me that they couldn't give me a XXXX balance receipt until ten days after the check cleared but they gave me a receipt w the rest of the balance on there and said that they would mail me a final receipt in ten days once the check cleared or I could come back and pick up one in person. needless to say I went back today which is actually 17 days since I went and paid them and they said they still couldn't give me an accurate receipt bc they claim the check hasnt processed their system which is a lie bc its cleared my bank account. You would think they would be more cooperative w all this covid 19 pandemic going on
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

All three major credit bureaus XXXX, XXXX XXXX and Experian solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased XXXX party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?
Consumer complaint received 2024-01-21
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.
Consumer complaint received 2023-04-08
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. (FL)

I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accounts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX 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 consumer reporting Agency can not furnish a account without my written instruction
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (AZ)

the same original creditor " XXXX " reinsert the same collection with a different Agency " National recovery agency '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I called Experian Fraud Department to make them aware that I did not give them written permission to " Report '' anything and that there was incorrect/inaccurate information being reported on my Credit Report. I also demanded that they remove the incorrect/inaccurate Information immediately. I was told it could not be removed immediately and it would take up to 3 days. 

On XX/XX/XXXX I received an email from Experian letting me know the results and my Credit Report was updated. 

As an informed consumer and aggrieved applicant as described in 15 USC 1692a ( 3 ) and 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX solemnly swear that the aforementioned are true and correct to the best of my knowledge and belief or under penalty of perjury I agree that everything I say is true.
Consumer complaint received 2024-01-21
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)

I reached out on multiple times and days to give them my ftc identity theft numbers and tell them to investigate the account open under my name without my knowledge and they refused to do anything said they should not help me I reached out many times I requested a copy of the original contract and I never received it
Consumer complaint received 2024-01-21
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. (OH)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-21
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)

XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting late payment and I requested information for experian and they have failed to provide the information which is a violation of 1681 for inaccurate information. I have disputed on XX/XX/XXXX and XX/XX/XXXX after getting a updated on the report with no validation letter.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

I notified XXXX money that there was many unauthorized transaction from XXXX of last year until now and they are from XXXX XXXX. I do not have business with XXXX XXXX. The card was still in my possession. I provided written statement that I did not authorize any of the XXXX XXXX  charges I am suppose to get a temporary credit after 10 days if it will take longer to investigate. I want to make sure the temporary credit is added to my account since there are many charges. I need to have access to my funds. They are shipping me a new card.