davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (NJ)

They are over XXXX closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, XXXX, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report. 
I awai your reply wikh ( XXXX above XXXX XXXX XXXX 
Upon receiving All correscond back with you b ' XXXX XXXX XXXXXXXX. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Consumer complaint received 2023-02-24
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. (CT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (CT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/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 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Experian of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Experian must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Experian 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Experian would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Experian stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Experian answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Experians method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Experian verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Experian verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Experians grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Consumer complaint received 2021-02-10
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. (GA)

The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX - This is not my account - {$330.00} XXXX XXXX XXXX - This is not my account - {$1900.00}
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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. (IL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX - XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WA)

Application ID | Reference : XXXX American Express denied my application for the following reason : We're writing to let you know we can not approve your application at this time because our records indicate that a payment was returned in the past 30 days. 

I called them many times and ask them for a reconsideration. The returned payment was because of an unauthorized transaction on my account for the amount of {$54.00}. The fraud team already conclude that it's not my fault for the returned payment. However, when I tried to explain this to the credit card application team, they seem not to understand. They always put the wrong notes in and never approve my application.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (IL)

Thank you for reading my complaint. I contacted XXXX numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since 2019. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with XXXX in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct Experian is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AL)

I applied for a master card synchroncy plus credit card with a 16 month no interest promotional and 2 % rewards. 
I used the card for the first time got the rewards but next time a logged in on the account the rewards had been removed and I was being charged interest. I contacted the company and was told I my card was not a promotional card it was a rollover account from an old XXXX card. XXXX went out of business last year. I got no answer on what happened to the rewards. I have never been late on any payments and I was paying much more than the minimum amount.
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc. (NV)

I turned XXXX on XX/XX/2020. I should not have a credit profile. If Experian, XXXX, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted Experian, XXXX, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent Experian, XXXX, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. Experian, XXXX, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. Experian, XXXX, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.
Consumer complaint received 2022-07-29
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)

I am writing to notify CFPB and Credit bureaus my rights as a private woman and consumer is being violated. Upon reviewing credit reports I see Account name : XXXX XXXX ACCOUNT # XXXX under 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) The Credit Bureaus and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is breaking the law furnishing to my credit reports without my consent the law clearly states - I the consumer must be granted the opportunity to deny any information being communicated on my consumer report '' AND any and all claims MUST be verified with proof before placed on my credit profile- There exist no verified proof nor consent by me, authorizing XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXA on my credit reports ; they must be deleted. **** I HAVE a RIGHT TO PRIVACY AND 100 % ACCURACY on my credit reports. Additionally, All mentioned parties do not have correct information furnished on my credit report pertaining to my legal name and resident address. I really believe this may be a case of mistaken identity and or identity theft.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX XXXX  XXXX notified me in the spring of XXXX that they had taken on my account from American Express National Bank. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX  XXXX and survival of XXXX with complications. I offered XXXX and XXXX a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that XXXX had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for XXXX via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they XXXX and XXXX filed a lawsuit against me to serve judgement for the debt I own to AMEX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (NY)

XXXX XXXX XXXX XXXX is in possession my private information violating my right to privacy as a federally protected consumer stole my vehicle violating the Regulation F of the FDCPA and violating the code of federal regulation no contract or lien is in the system ally financial is in an ongoing dispute and has still failed to provide documents and books of account to show ownership of said vehicle publication 583 15 USC 49 UCC11 lien search indicates there is no lien provided UCC Financing statement Filing number : XXXX shows having interest in property 31 USC 3718 i am requesting there records that show they have a contract to steal property collect debt belonging to another
Consumer complaint received 2021-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NY)

I XXXX XXXX with my mother s XXXX FAMILY DISCOUNT, MET WITH XXXX XXXX AT XXXX XXXX I SIGNED PAPERS BY MYSELF, THEN WE XXXX XXXX PUT PLATES ON THE CAR THEN DROVE OFF NOT KNOWING HOW MUCH A MONTH THIS CAR MONTHLY PAYMENTS WOULD BE, XXXX XXXX STZTED HE COULD NOT KNOW THE BANK WOULD TELL ME SOON AND DID NOT TELL ME A CONDITION CONTRACT MEANING I COULD NOT MAKE XXXX CAR NOTE WEEKLY PAYMENTS, CAR LATER STOLEN AND WHEN I CALLED TO FIND OUT THEY WOULD NOT TELL ME WHERE THE CAR WAS AND WOULD NOT LET ME PAY FOR ITS RETURN, REASONS WAS ITS NOT MY CAR, ITS XXXX XXXX CAR AND ONLY HER THEY WANT TO TALK TO AND NOW THEY CHASE HAS BEEN ON MY CREDIT REPORT 7 YRS AND I MADE {$100.00} PAYMENT PLAN TO SHOW IM COMMUNICATION WITH THEM EVEN THOUGH THE TREATED ME HORRIBLY.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

XX/XX/2022 XX/XX/2022 XXXX/XXXX/2022 I disputed my NC Financial account on three separate occasions for incorrectly reporting my account as delinquent to XXXX. It's showing that I'm delinquent for the months of XXXX, XXXX, and XXXX of 2022. The account payment is auto-debited from my checking account bi-weekly. When I disputed the account previously with the credit bureau, it was corrected. NC Financial DBA Net Credit doesn't show my account as delinquent in their records. XXXX states that they can see when the inaccurate data was corrected previously, but it is up to me to continue to dispute the inaccuracies or send a letter from NC Financial showing I'm current. I don't think that I should have to do this monthly. Either NC Financial is committing fraud or XXXX is not requiring NC Financial to show proof of delinquency. Further, XXXX and XXXX show the account as currebt, never late. NC Financial is a predatory lender. It is my belief that they are trying to prevent me from refinancing the loan to a different company with better terms and interest rates. When I inquired about refinancing previously, I was told that they only allow refinancing to borrow more money, not lower the interest rate. This company needs to be investigated for their predatory practices.