davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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. ''
Consumer complaint received 2024-09-23
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. (IL)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credence Resource Management, LLC (IL)

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call But they didnt stop there. I have a recording. Of me telling them its a bad time for them to call. I also have screenshots of them calling day after day at the same time. Making me feel uncomfortable. 
I looked up this law 15 USC 1692 who is the FDCPA and in section 1692c ( a ) ( 1 ) it says. At any unusual time. Or place or a time of place or which should be known to be inconvenient to the consumer in a absent of knowledge or circumstances to the contrary a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX XXXX  local time at the consumers location Which means that if I told them it was not a good time they should know that the Time they called me was inconvenient They also violated me again under the FDCPA
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-23
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. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. - XXXX Account : XXXX XXXX Owed {$3600.00} XXXX XXXX. XXXX Account XXXX XXXX : {$7200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account : XXXX : {$11000.00} Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX -- -- These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 informationisinaccurate.
Consumer complaint received 2024-09-23
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. (MI)

I have not supplied proof under the XXXX XXXX XXXX by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX {$840.00}, XXXX XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX XXXX {$830.00}
Consumer complaint received 2024-09-23
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. (TX)

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home or my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-23
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. (PA)

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$8400.00} XXXX XXXX  XXXX {$23000.00}
Consumer complaint received 2024-09-23
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Consumer complaint received 2024-09-22
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. (VA)

XXXX XXXX XXXX XXXX XXXX  Ct XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Consumer Financial Protection Bureau XX/XX/24 XXXX XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Experian for Violations of the FCRA To Whom It May Concern, I am writing to formally lodge a complaint against Experian Information Solutions , InXXXX regarding their handling of my consumer report. On XX/XX/24, Experian represented over a recorded line that they obtained bankruptcy information from the courts. However, I possess a signed and dated letter from the Clerk of Courts explicitly stating that the court does not report to credit reporting agencies. 
Experian 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 607, as they failed to obtain my written consent prior to reporting my private information. Furthermore, their representatives misled me during the call by inaccurately asserting the source of this information, rather than rectifying the situation by removing the erroneous entries. 
I have provided Experian with a copy of the courts letter, yet they have failed to delete the inaccurate items from my report. I request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with federal law. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (MI)

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare 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 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XX/XX/year>2018 amount XXXX
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 informationisinaccurate.
Consumer complaint received 2024-09-23
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. (AZ)

I am writing to dispute an unauthorized account that appears on my credit report under XXXX XXXX XXXX. This account was opened on XX/XX/2023, for the amount of {$250.00}. I did not authorize this loan, and I am requesting that it be removed from my credit report immediately. 

I became aware of this unauthorized account while reviewing my credit report. I promptly contacted XXXX XXXX XXXX to inform them of the fraudulent account and to request that it be closed and removed from my credit history. I have also taken the necessary steps to protect my identity, including placing a fraud alert on my credit file with the major credit reporting agencies. 

Despite these actions, the account remains on my credit report, which is negatively affecting my XXXX XXXX and overall financial well-being. I kindly request that this account be investigated and removed as it was not authorized by me. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXXXXXX Account Number : XXXX Personal Information Previous Address ( es ) : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (CT)

On XX/XX/2024, I made a {$1.00} purchase on my Santander Bank XXXX credit card, bringing the balance on the card from {$0.00} to {$1.00}. On XX/XX/2024, I received a statement saying that the account was Charged Off for the {$1.00}. This is despite having never been late on the card. 

On XX/XX/2024, I paid the {$1.00} balance from my Santander Checking account, in order to pay the balance in full. The balance should have been reduced to {$0.00}. 

On XX/XX/2024, XXXX am, I made an appointment with Santander in person to resolve the charge off. The representative could not find me in their system at all. That same day, at XXXX pm, I called the Credit number for Santander, XXXX, to try to resolve the chargeoff. The representative on the phone stated that I was marked as deceased. 

I believe that I was marked as deceased because my mother, who was an authorized user on my XXXX credit card, passed away on XX/XX/2024. XXXX received paperwork at the end of XX/XX/2024 that she passed away, and erroneously marked my account, of which I was the owner, as deceased, and then charged off my account. 

I received a case number on XX/XX/2024, XXXX, to resolve this error, and I received confirmation that I would have this resolved in XXXX business days. 

On XX/XX/2024, at XXXX pm, I called XXXX again to get an update. They had no update at that time. I asked them to continue to try to resolve the charge off. The representative stated that they submitted a customer nonsatisfaction report on my behalf, with number XXXX. 

On XX/XX/2024, I called XXXX back to state that I no longer wanted to attempt to reopen the account, but simply mark it as Closed, and Paid as Agreed. 

On XX/XX/2024, I received an updated XXXX credit report that now indicates that the XXXX credit card has been charged off for {$1.00}. The status says " Account charged XXXX late. {$1.00} written off. {$1.00} past due as of XX/XX/2024. '' This is despite that I am not deceased, nor have I ever had a late payment on this account. This error on Santander 's part has decreased my FICO XXXX score from XXXX to XXXX, and has severely damaged my credit score.
Consumer complaint received 2024-09-22
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-23
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

i have accounts opened on my report i have no knwledge of an didnt even know abiut til now an its not right thats is on there if its really not me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXXXX/XX/XXXX