davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX was previously deleted from my credit file several years ago and reappeared. I contacted the company and they don't have the correct SSN on file so the information could not have been verified during the dispute process.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I made a complaint against Experian on this site but after 2 months of delays, Experian responded " we were unable to process your dispute, as it was not specific. '' This is the 2nd separate complaint to make this easier for Experian to comprehend. 

Why when I log into the website it keeps only showing me information from XX/XX/XXXX? I was even on the phone with your customer service and they could not even tell me why I was seeing the information I was seeing ( after the call I realized it is just really old information after seeing a date on the top of the page -- document attached ). I was not trying to see my credit score which I imagine is a separate premium upsell. Your information on me has so many errors I would think you would try to let me see the current misinformation you are spreading. This complaint is also to point out how poor a job Experian does of data vetting as even MORE THAN HALF OF MY ADDRESSES ARE NOT EVEN CORRECT! How is this company allowed to exist passing on false information like this? I also want to make sure the CFPB is aware of how intentionally confusing Experian 's website is, as it is designed to try and coerce/confuse people into paying for premium services repeatedly. 

Experian did sent me a printed copy on XXXX which is how I know the majority of " my '' addresses are incorrect, so I was eventually able to see a more current report. But my old report is still what they show me when I log in to their site ( see dates on attachment ).
Consumer complaint received 2023-05-09
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: DISCOVER BANK (IL)

I am writing to request an accounting of the amount owed under the security agreement between us, as governed by UCC 9-201. As a responsible debtor, I believe it is important to ensure that both parties are aware of the exact amount owed, as well as to verify that your records are accurate.

Accordingly, I am requesting that you provide me with a statement of account that includes the amount owed by me, the amounts I have paid, any credits or offsets against my account, and the remaining balance owed by me. Pursuant to UCC 9-201, I am entitled to receive this information at any time before my debt is fully satisfied.

I am requesting that your company send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102.

UCC 9-201 is a section of the Uniform Commercial Code, which governs secured transactions in the United States . It outlines the rights and responsibilities of both secured parties ( creditors ) and debtors in these transactions.

A " request for accounting '' under UCC 9-201 refers to a request made by a debtor to a secured party for an accounting of the amount owed under a security agreement. This request can be made at any time before the debtor 's debt has been fully satisfied.

Once the request is received, the secured party must provide the debtor with a statement of account that includes the following information : The amount owed by the debtor The amounts paid by the debtor Any credits or offsets against the debtor 's account The remaining balance owed by the debtor The secured party is required to respond to the request for accounting within a reasonable amount of time, and failure to do so may result in legal consequences.

Please note that if this information can not be provided, I kindly request that you delete this account from my credit report as it is my right as a consumer to ensure that my credit report is accurate. I am confident that you will respond to my request in a timely and professional manner as I understand that you have certain obligations under the law.
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-09
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-06
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2023-05-09
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. (IN)

I've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
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. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

THE COMPANY NAVIENT ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Consumer complaint received 2023-05-09
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (NM)

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I had a Victoria secret/comenity credit card for 6yrs 3 months. Never a late fee. In fact they were sending me checks where I over paid them. My limit was XXXX. I used my card for XXXX. I paid XXXX XX/XX/XXXX inside the store on my card balance. Which brought me to zero. They then was charging me for not using the card. Lowered my limit to XXXX and eventually closed my account. Stating charge off as bad debt and purchased by another lender. They then sold my account to collection agencies and I have disputed over and over for yrs. I'm tired of going through this with them. I had 2 collection agencies on my credit at the same time. Victoria secret is saying I owed XXXX Bucks. This is not correct. I paid my bill and they should not be able to get away with charging people fees for not using their card. That's not fair at all. XXXX XXXX  has had my account since XX/XX/XXXX. They continue to send me statement saying I owe this bill. I refuse to pay for something I did NOT charge. Please help me stop these collections and credit my credit reports.
Consumer complaint received 2023-02-13
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-06
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. (NC)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXXXXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.
Consumer complaint received 2023-05-06
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-05-06
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. (IL)

Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-09
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

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.