davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian shows inconsistencies in dates of opened account XX/XX/XXXX When XXXX XXXX written statement shows the account was opened XX/XX/XXXX I understand this violates Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 I have also requested that this inquiry be deleted due to the false information As I am the owner of this credit profile
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.
Consumer complaint received 2023-05-30
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)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
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 2023-12-01
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. (CA)

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

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

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX   Please remove it from my credit report.
Consumer complaint received 2023-05-30
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-12-01
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. (NV)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-11-28
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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: Experian Information Solutions Inc. (TX)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!
Consumer complaint received 2023-05-30
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. (LA)

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 2023-05-30
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 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 2023-05-30
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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 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 2023-05-30
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. (LA)

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 2023-11-26
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)

I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

XXXX fake checks ( {$9800.00} on XX/XX/XXXX and {$9800.00} on XX/XX/XXXX ) were used to withdraw money from my Discover savings account. I did not create any checkbooks or checks using this savings account. I have not provided my account number or routing number to anyone. I do not know the payees ( XXXX XXXX and XXXX XXXX ) indicated on these fake checks. Additionally, the address and signature used on these fake checks are absolutely incorrect and not mine. I have reported these cases to Discover bank and this is currently under investigation. The lost money has not been reimbursed from the bank yet. Discover keeps saying I should wait for the case to be investigated without telling me the timeframe and they said they do not have responsibility over this case, although the checks are completely fake. I already submitted all check fraud affidavit and police reports. I can not wait any longer!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with TransUnion, XXXX, and XXXX. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2023-11-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION (FL)

I have tried to solve this problem with the representatives of the bank but have been unable to. 

My daughter was included in my account under my name as a minor. The employer XXXX gave her a bad check dated XX/XX/ and the bank took the money out of her account in full. You are affecting my credit stating that I owe to you {$130.00}, which is not true. 

A complaint against XXXX is open under the XXXX XXXX XXXX in XXXX 

I want to stop the harassing for my person, take my daughter out of my account since she is over 18 and stop with the collections and harassing actions against me. The Florida Statutes 657.023 under Membership ( 3 ) establishes that : a credit union may close the account and terminate the membership of any member whose actions have resulted in any financial loss to the credit union or for good cause. 

On this one, I am referring that all this situation happened and I have explained as a good cause. So, I beg that you take my daughters name XXXX XXXX XXXX from my account and stop damaging my credit and sending me to collections agencies. You took the money completely from her bank account. Stop with the harassment, and damaging my credit. 

Enclosed documentation. 


XXXX XXXX, mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

In XXXX  I attended XXXX  XXXX. During that time the school closed. I submitted a school closure form and never received a more information about it. I contacted the federal aid depart and a representative there informed me to contact Mohela. I called Mohela and was placed on hold. After waiting about 10-20minutes a representative asked if I would like to receive a call back. I answered yes. I never received a call back.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (IL)

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 an account without my written instructions.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I'm having difficulty when I contact the XXXX XXXX  at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the Experian credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to recover solutions agency as Experian demands it in order to resolve the issue on my credit report The Experian will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from Experian after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in Experian or the collection agency after sending all the information requested, via mail or phone.