davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-04
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: JPMORGAN CHASE & CO. (CA)

Chase Bank Marriott XXXX points apparently are seen by Chase, Marriott and in our account but nobody can figure out how to access them for an upcoming vacation that was booked months ago. See attached screenshot of points. We contacted them last Friday spoke for XXXX mins. Today - no return call. We leave Wednesday morning
Consumer complaint received 2020-06-24
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. (NC)

I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.
Consumer complaint received 2024-01-11
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. (IL)

Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXXXXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XX/XX/XXXX. I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how Experian and XXXX can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX  - Acct # : XXXX, due to the following reasons. 

XXXX. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

XXXX. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX XXXX. According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!
Consumer complaint received 2020-06-24
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)

Experian continues to report inaccurate information without verifying proof of this account belonging to me. I have requested countless times the original signed contract for this creditor and they have still not been able to verify this account, yet they continue to report it. It has been deleted from both of the other credit reporting agencies and yet they refuse to remove or reinvestigate the item. I have sent them supporting documentation that shows the other bureaus are reporting my account accurately while there's is not. They have been combative and unwilling to help resolve my situation. I have not been provided any documentation of this proof and if they continue to unlawfully report this I will have no choice but to proceed with legal action. They also have refused to reinvestigate items that remain to be inaccurate based off discrepancies with the other bureaus.
Consumer complaint received 2024-01-11
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. (SC)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

According to all three major credit reporting agencies I noticed Jefferson Capital Systems , LLC reporting inaccurate account, witch claims I allegedly owe to this company. The Collector must make all required disclosures clearly and conspicuously in writing by sending this information you are violating Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce. As per section ( b ) Duties of furnishes of information upon notice of dispute. failure to prove validity must be removed immediately
Consumer complaint received 2020-06-24
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. (TX)

Equifax should not be reporting a collection/chargeoff in the amount of {$31000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX   is reporting correctly. The vehicle was repossessed in 2014. I called XXXX XXXX and asked why they are reporting on Equifax that I still owe the full balance. XXXX XXXX informed me that they are continuing to report this because they claim that the vehicle was picked up on XX/XX/2014. This is not true. I no longer have possession of the vehicle. I asked XXXX to provide me with documentation showing that the vehicle was picked up and they can not locate any information to show that the vehicle was in fact picked up. Equifax needs to report a {$0.00} balance. This false reporting of a collection/charteoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Equifax to fix this however, I have not been successful.
Consumer complaint received 2024-01-11
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. (TX)

I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being. 

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues. 

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA. 

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system. 

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.
Consumer complaint received 2024-01-11
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent unauthorized inquiry. 

This inquiry should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized inquiry listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-01-11
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. (NC)

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Experian must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Experians duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

I haven't XXXX credit card ending in XXXX, they did not resolve my XXXX dispute for reference number : XXXX It is in the amount of {$240.00} XXXX, I'm pretty disappointed, and did not expect this. 

The service was miserable of this XXXX listing i stayed at and I did not expect this. 

Secondly they have applied a {$7.00} cents on my credit card out of no reason, I do not know how come the payment got returned. 

Customer service is a disaster, and it takes forever to reach a customer service agent and they keep on transferring to another person, and it never gets resolved
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (GA)

XXXX XXXX  XXXX XXXX XXXX, MD XXXX Extremely inaccurate information was reported to my Credit, and different information was reported on each Bureau Inaccurate information was reported to my credit. Much in the information was not even consistent with anything considered normal. My XXXX  report showed a balance if {$680000.00} with a monthly payment of {$18.00}. My XXXX  showed a past due balance of {$700.00}, no account number, and a monthly payment of {$18.00}. It is a known violation with the FCRA for any creditors to give reporting agencies inaccurate financial information about you. The above reporting represents malicious reporting practices or at the very least, extreme negligence. I was advised by XXXX  representative to contact an FCRA Attorney regarding the business practices for Mariner. 

I did also dispute the inaccurate account with XXXX  and XXXX  as well and reported the violation to the Attorney General In Georgia ( Ref number XXXX ) While I was on the phone with the Attorney General I was advised to file an additional complaint with the Consumer Financial Protection Bureau. I have notice that there are several complaints placed against this organization and would like to encourage consumers to use some of the tools, and information in this post to hold companies like this accountable for the fraudulent/ inaccurate information in which have lasting damages.
Consumer complaint received 2024-01-11
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. (SC)

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter XXXX  DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2020-06-24
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. (NV)

I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.
Consumer complaint received 2024-01-11
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. (OH)

for Inquiries I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX