davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (CT)

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 information is inaccurate.
Consumer complaint received 2024-09-19
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-19
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. (MS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-19
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)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 





Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2024-09-19
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. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-19
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. (OR)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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)

I am XXXX XXXX XXXX and I have ask for supporting documentation to show the accuracy of these Inaccurate reporting accounts attached to this complaint. This is not a third party filing this complaint. And I demand these Inaccurate reporting accounts be removed Immediately. For it has been over 45 days since my initial complaint and I have yet received any resolution or records showing that these accounts are in fact reporting correctly. Thank you
Consumer complaint received 2024-09-19
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 I 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 2024-09-19
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)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I HAVE 22 DISPUTES WITH TRANSUION AND THEY STILL DON'T TGET THE INFORMATION CORRECTED. 

XXXX XXXX IS CLOSED SAYS I AM CURRENTLY IN GOOD STANDING WITH MONTHLY PAYMENTS NO MONTHLY PAYMENT AMOUNT GIVEN SHOWING LATE PAYMENTS THAT ARE OUT BY TIME IF I WAS MAKING MONTHLY PAYMENTS WHY IS THE BALANCE STILL THE SAME AFTER 5 YEARS. AND THE BALANCE NEVER LOWERS WHY ISN'T THERE A MONTHLY PAYMENT AMOUNT GIVEN I CALLED XXXX AND THE GUY PUT ME ON HOLD LEFT ME THERE AND THEN HUNG UP ON ME. THESE CREDIT BUREAUS ARE PURPOSELY DESTROYING PEOPLES LIVES AND NEED TO BE SUED AND HELD ACCOUNTABLE FOR PROVIDE FALSE INFORMATION. 

THIS IS MY 24 TH DISPUTE AND EQUIFAX AND XXXX STILL CAN'T GET IT RIGHT! 

ACCOUNT IS CLOSED NOT MONTHLY PAYMENT LATE PAYMENTS OUT BY TIME AND NOT TRUE BALANCE NEVER CHANGES IF I WAS MAKING MONTHLY PAYMENTS YOU GUYS NEED TO QUIT LIEING AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT AND TAKE THE BS OFF OF MY REPORT OR GET SUED. THE CREDITOR IS LYING TO YOU BUT YOU ARE TOO STUPID TO EVEN TO MAKE IT MAKE SENSE. THAT IS HOW I KNOW YOU ARE NOT PROPERLY INVESTING OR TELLING THE TRUTH
Consumer complaint received 2024-09-19
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. (MD)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX Date of charge-off/closed : XX/XX/2019 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-19
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)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely impacted my life and caused considerable stress.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2024-09-19
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. (OR)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Requested information for XXXX  XXXX XXXX XXXX. Call to XXXX XXXX name XXXX XXXX. XXXX said Equipment Still on sale. XXXX XXXX @ XXXX I Want {$25000.00}. XXXX XXXX me Company Account Information. I sent Money To RHN Heavy Equipment account number:XXXX. Routing number:XXXX by wire from my Bank of America to XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am writing to dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information provided in consumer reports. 

The account in question is : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$3000.00} Balance Updated : XX/XX/XXXX Recent Payment : N/A Credit Limit XXXX {$2900.00} Highest Balance : {$3000.00} On Record Until : XX/XX/XXXX There are also inconsistencies in the payment history for this account, which I believe are inaccurate : Payment History : XXXX : Payments marked as late, progressing from XXXX to XXXX  days past due by XXXX. 

XXXX to XXXX : Continuous " XXXX  '' ( XXXX XXXX ) status reported every month. 



I believe that the information reported is either incomplete or inaccurate and may not reflect the current status or history of the account. I request that you conduct a reinvestigation of this account and verify its accuracy with XXXX XXXX XXXX XXXX. Please provide me with a written summary of your findings and correct any inaccurate or incomplete information as required by law. 

In accordance with 15 USC 1681i, I request that this matter be addressed within 30 days of receipt of this letter. Additionally, I request a free copy of my updated credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your response and the appropriate corrections being made.

Iam also requesting a cease and desist order that will stop all communications that are reporting to the credit bureaus and phone calls until I receive a 1099C because u claim on my credit report that the debt was written off but i have not received no 1099C.
Consumer complaint received 2024-09-19
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. (WI)

Upon reviewing my credit report, I noticed that there were a few accounts listed that i do not recognize at all. These accounts do not belong to me, i have never given any of these companies my information. 

XXXX XXXX Bal- {$20.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$360.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$6100.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$250.00} Opened : XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

On Thursday XX/XX/XXXX after repeated attemps to contact the rental property management I received a call from them. Representative XXXX XXXX was on the phone she stated that I owed back rent for the apartment and that I needed to pay I explained to her that I was very upset about XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that was going on in the apartment building. There were people sleeping in front of my door and blocking me from being able to get in and out of the building. I also stated that I would pay the rent when this was taken care of and that I was going to sue the company for all the stress that this situation had caused my family and I. XXXX stated that she did not want the back rent but instead wanted me to move and when could I be out of the unit. I stated that I could be out in 30 days and I wanted my security deposit back with the interest that I was supposed to have. She agreed to this. She also stated that she wanted to have the property manager XXXX do a walkthrough upon my leaving. On XX/XX/XXXX I moves out of the property. I received a phone call from XXXX at XXXX stating that she did not want to do the walk through because she knew that there was no damage to the property. I stated that was fine. I moved out that day and returned the keys. 3 weeks later I hadn't received my deposit I received a letter in the mail stating that I owed money to the company. I then sent a detailed letter that I did not owe anything and that they needed to return my security deposit with interest via certified mail. I received a phone call the following Monday from XXXX XXXX stating that the letter was sent by mistake and that my security deposit would be mailed to me. XXXX had to resend it because the zip code was wrong.I received my security deposit but the interest was not right. I haven't heard anything else about a debt until I checked my credit report and it was there.
Consumer complaint received 2024-09-19
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)

On XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Consumer complaint received 2024-09-19
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)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XX/XX/XXXXspecifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.