davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (CA)

XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Paid/ Closed XXXX  XXXX XXXX XX/XX/XXXX {$110.00} Paid/ Closed XXXX XXXX XX/XX/XXXX {$17000.00} Paid/ Closed XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Account in dispute under Fair Credit Billing Act XXXX XXXX XX/XX/XXXX {$400.00} Paid/ Closed XXXX  XXXX XXXX XXXX XX/XX/XXXX {$360.00} Paid/ Closed XXXX XXXX XXXX XX/XX/XXXX {$470.00} Paid/ Closed Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} Paid/ Closed XXXX. XXXX, XXXX XXXX XX/XX/XXXX {$800.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-07-22
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Web administrator acting as dictator over customer account.

Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Web administrator refuses to give customer name of open credit account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.
Consumer complaint received 2024-07-22
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)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-22
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)

unfortunately, I am a victim oXXXX XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
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. (TX)

I recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX data breach as well as XXXX.
Consumer complaint received 2024-08-23
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. (MS)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-23
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. (AL)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (AR)

I made a single person is using the credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I was {$4.00} short I sent a secondary payment of {$4.00}. The company refused to accept and post the payment of {$4.00} and for the past 12 months have continued to add interest charges. I have contacted this company many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is at because it was never returned back to me so that means the company has the check The check was never processed through my bank. However, it was mailed by me to the same address that I mailed the {$400.00} payment which was received and processed through my bank. On several occasions over the past year I have reached out to your car and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. Agent XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.
Consumer complaint received 2024-07-22
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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. and according to 15 USC 1681s-2 they are not supposed to 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 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. (MI)

Did XXXX XXXX XXXXXXXX have any involvement with XXXX XXXX XXXX XXXX MI and loan XXXX. 

Tradelines XXXX resolve XXXX. 

Any involvement with XXXX XXXX fake XXXX at XXXX XXXX XXXX together. 


If XXXX XXXX XXXXXXXX continues lies, fraud and abuse of power refusal to answer my questions on Fraud the CFPB should issue a Fine.
Consumer complaint received 2024-07-22
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. (TX)

On XX/XX/year> Experian notified me of a 30 day late with XXXX XXXXXXXX XXXX XXXX XXXX. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to Experian per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to Experian on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from Experian or the merchant with the explanation or investigation results. Experian instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with XXXX XXXXXXXX XXXX  XXXX XXXX. Thank you for your prompt response.
Consumer complaint received 2024-07-22
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. (OH)

I am a victim of identity theft I have inaccuracies on my credit profile including a bankruptcy account which violates my rights. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. I did have a fraud alert on my account which credit Bureaus and or creditors refuse to follow my personal statement which was to VERIFY with me via phone!
Consumer complaint received 2023-11-20
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. (PA)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2024-07-22
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : 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 2024-07-22
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. (MI)

Dear Experian 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 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STATE OF MI OFFICE CHI Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-07-22
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)

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

see attached identity theft report.
Consumer complaint received 2024-07-22
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. (TX)

Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS 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  15 USC 1681 and 1692 LAW which requires validation of DEBT.under 15 USC 1681b permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Consumer complaint received 2024-07-22
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. (AZ)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 information is inaccurate.