davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (PA)

I am writing to formally request the ability to opt out of certain accounts on my EXPERIAN consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

I am requesting that EXPERIAN, as a financial institution subject to these regulations, prove EXPERIAN provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent.

1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. EXPERIAN must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
Consumer complaint received 2024-09-20
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. (MA)

So I had an issue with identity fraud and my XXXX  XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Consumer complaint received 2024-09-20
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT #, XXXX, HAS VIOLATED MY RIGHTS. F 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 XXXX  XXXX WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-28
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: SYNCHRONY FINANCIAL (PA)

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I work with a animal rescue and ordered some special XXXX lights from XXXX. The charge was {$870.00}. Chase flagged this as fraud. I immediately responded that I had authorized the charge. But since this was declined by Chase Bank, it was rerun. Which caused this amount to be charged twice. I contacted Chase Bank as soon as I saw the second charge and asked them to stop the charge as it was listed as pending. They refused and despite talking to a supervisor told me that they could not do anything while the transaction was " pending ''. Which is insane. So they took the money from my account or restricted my access to my money, and refused to help. They said to call the merchant, or if the merchant didn't finish the charge that in XXXX business days the hold on my funds would " drop off ''. It is crazy to me that my bank can not stop a unauthorized second charge of the same amount when I tell them it is not authorized. They told me I have to wait for the charge to clear, which is literally insane.

I spoke with a supervisor and tried to escalate it. Not one person that has answered my call has even been in the United States. It is not right that a error with MY MONEY, can not be corrected while PENDING, and that the only solution is to let the funds clear, or wait XXXX days for the vender to let it fall off. Meanwhile I have bills I need to pay that I can not access my money to pay.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX
Consumer complaint received 2024-09-20
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. (CA)

I never had a contract with this debt collector XXXX XXXX XXXX XXXX XXXX XXXX for any debt. 

I asked to be provided proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. I was never given proof that this debt belongs to me yet it still remains on my credit report. 

A proper and complete investigation was not done.
Consumer complaint received 2024-09-20
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (MS)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

Ok I just found out I'm part of the XXXX XXXX that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from XXXX in the mail, by email or by phone alerting me about the breach years ago Thank you XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2021-01-13
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: CITIBANK, N.A. (NJ)

I have recently checked my credit and it seems unauthorized credit attempts are on my credit report. I am showing from a XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX Thd/ cbna XX/XX/2020 and XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 Macys/DSNB XX/XX/2020 also these phone numbers have been calling me about my credit XXXX ; XXXX ;
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Ive Been In Contacted With XXXX & Experian Since XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted XXXX XXXX Experian For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time XXXX XXXX Experian Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

XXXX XXXX Experian Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Consumer complaint received 2024-09-20
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-20
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. (MN)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-20
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. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-11-13
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. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2024-11-13
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. (MD)

Recently, I investigated my credit report and found several items there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : TransUnion : XXXX Account XXXX : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number XXXX XXXXXXXX Please remove this from my credit report XXXXs Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove this from my credit report Comenitycap/Alphcos Account Number : XXXX Please remove this from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NY)

Ive disputed this multiple times, with credit bureaus. The balances on XXXX and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my XXXX XXXX lower each month this happens. XXXX XXXX  XXXX restricts adding to the balance of the charge off account which is grounds to sue CarMax Auto Finance for violating state laws.