davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I have a data breach XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX XXXX XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX  account it was showing fraudulent records on my email XXXX XXXX I asked to put the account on my XXXX due process of payment with XXXX  tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from XXXX XXXX said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX  XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from XXXX XXXX XXXX XXXX XXXX  for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage XXXX XXXX XXXX XXXX entitled error background report from the XXXX XXXX  scheme showing it was paid then XXXX XXXX could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian XXXX XXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Consumer complaint received 2024-08-29
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)

For several years now a few times a year I get a Notice of Adverse Action via email from XXXX XXXX to a very old email address I do not actively use ( XXXX ) It always has extremely out of date information listed for me. 
Every single time it happens I contact them via the email address they provide in their email and they skirt the blame and say my info was used on a third party site and no loan was given. They refuse to provide me any information about the application like the XXXX address, the device use, or even the name of the third party lead generation company yet they claim they want to help me. 
They also promise they will block my info and never contact me again, yet like clock work a few months later I get another Notice of Adverse Action and have to spend my time dealing with their continued fraud. 
To be clear I have NEVER applied for any loan like this, in fact through my consulting firm I advise leading companies like XXXX XXXX and in fact their investors have probably used my service in the past. I have also never used any lead generation credit company for any kind of credit application and in fact I have not applied for any form of credit in well over 5 years. 
Their harassing of me needs to stop. I find it amusing that they claim they can not block my information. If they can not perform that basic task then there is no way they comply with dozens of federal and state regulations. Simply through XXXX  they owe me well over $ XXXX and I will be pursuing a complaint regarding that with the FTC. 
It is time they are punished for their violations. XXXX seems to be an easy one. If they contact me and send me a check for {$5000.00} I will not engage an attorney and seek a XXXX figure settlement.
Consumer complaint received 2024-07-20
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-20
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-20
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)

Today I checked my credit profile and found some data that can not be verified and information that is not accurate these items are not being reported as 100 % accurate and correct! As we know this is against the laws that protect all consumers to report any information, data, collections, or accounts that have not been proven to be 100 % accurate. The fair credit reporting act it say that every single thing on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue Experian for {$6000.00} in federal court and I can sue XXXX for {$6000.00} in federal court which is {$1000.00} per violation!
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) The document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of The Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts be blocked and deleted company information Experian. Please deleted the following accounts. 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (MN)

I lost my job during covid in the XXXX I contacted the bank that because i lost my job my visa was cancelled so I can manage my auto loan i was told if i returned the car I would no longer owe the bank anything. I did and traveled back home to the XXXX in XXXX. I kept trying to reach the bank to reach an agreement for the clearance letter nobody replied. 
In XX/XX/XXXX Cedar financial ( US Debt collector ) contacted me and I told them what happened so they said they would contact the bank and reach back out to me. In XXXX they do a hard credit pull with no authorization no communications till this morning saying I had to pay the full balance from XXXX that the bank never got back to me about.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I have a data breach pawned website with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with trespassing wire tap fraud and larceny of my business account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX XXXX I contacted the log in with XXXX XXXX. I did a log in with the business account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXXXXXX XXXX XXXX XXXXXXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my IRS reversed mortgage account for {$110000.00} tax lien and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX XXXX XXXX XXXX where the data breach occured on my pawned website from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage account reversed mortgage loan entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian my identity works. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Consumer complaint received 2024-07-20
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. (NC)

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around one 30day late which never happened. This was sent to me on Report XXXX XXXX of Experian Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-20
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX - XXXX
Consumer complaint received 2024-07-20
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. (MO)

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. 

Name : XXXX XXXX XXXX Account : XXXX Amount : {$2600.00} I told Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-20
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. (NC)

. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC
Consumer complaint received 2024-07-20
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-20
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX  Charge account with account # XXXX opened on XX/XX/year> and a balance of {$1800.00}. 
According 15 U.S. Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

I previously disputed this account stating : ''15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX, I sent out a notice to all XXXX  credit bureaus stating I want all of the incorrect names and addresses removed from my credit report. They were removed from XXXX XXXX and XXXX with no hiccups, but Experian is giving me a little bit more trouble and not removing some addresses. I have also called and still cant get a removal, I should not be having this much trouble. I sent them a copy of my ID and I sent them a copy of my utility bill showing that with my name and my correct address on there I can not correctly dispute accounts and hold them liable if I can not get those addresses removed. I feel like this is there way to get out of investigating inaccurate accounts. I am entitled to a complete and accurate credit report according to the FCRA.
Consumer complaint received 2024-07-20
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. (IN)

Dear Experian, I am writing to you regarding my credit report dispute, reference number is XXXX. It has been XXXX  days since I submitted my dispute on XX/XX/year>, as per the requirements of the Fair Credit Reporting Act. According to the FCRA, consumer reporting agencies like Experian are required to investigate disputed information and provide a response within 30 days of receiving the dispute. However, it has been 45 days since I submitted my dispute, I have not received any documents or a response I have requested from the investigation. The name of the company, their phone number, address, website and the person 's title and has anyone talked to my family and friends? All of these falls under the FCRA laws. Experian 's failure to do a reasonable investigation on the the disputed accounts in the 30-day time frame mandated by the FCRA, the disputed information shall be removed from my credit report immediately. Since Experian did not respond within 5 business days, I will consider the disputed items verified as inaccurate and they shall be removed immediately. Experian, is legally required to complete their investigation and provide the consumer with results within 30 days. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-07-20
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. (GA)

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : 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/year>
Consumer complaint received 2024-07-20
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. (GA)

I have never had a loan or contract with XXXX XXXX XXXX. I have requested a contract in the past and have been sent XXXX contracts that are not me.