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 — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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. (CA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
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. (TN)

I am writing to formally file a complaint against both Experian and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my Experian credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by Experian : The first issue being Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting XXXX XXXXXXXX XXXX webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves XXXX XXXX XXXX. Despite this, Experian continues to list XXXX XXXX as the creditor, rather than XXXX XXXX XXXX, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount XXXX XXXX XXXX is attempting to collect, even after Experian updated my credit report to reflect a CLOSED balance of XXXX, XXXX XXXX XXXX shows a balance of XXXX. Adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with Experian on XX/XX/2024. However, my dispute was closed XXXX hours later with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. Experian failed to conduct a thorough investigation into my claims. Due to this lack of diligence from Experian and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both Experian and XXXX XXXX XXXX, Experian for not conducting a proper investigation and violating my rights, and XXXX XXXX XXXX for the harm caused by their shear disregard and manipulation of the law. Both agencies allowing this violation has caused me mental and physical anguish due to their failure to properly investigate this matter. I will also include due to the severity of violations If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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 2024-09-23
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. (OK)

I have called XXXX XXXX several times and also sent them a police report stating that I did not open up all those loans and credit cards and it is XXXX increase on my account and XXXX closed accounts. I was told by someone that it will be deleted off my credit by Monday. I check my credit is still on there. I asked him politely to remove this from my credit because it is stopping me from being being able to move forward to get a home all of those inquiries and close accounts are fraudulent accounts. It needs to be removed
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. (SC)

I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
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. (IN)

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I purchased a vacation package from XXXX for a 4 day 3 night stay in XXXX XXXX XXXX. The cost was {$590.00} which I paid {$190.00} on XX/XX/XXXX then the remaining balance of {$390.00} on XX/XX/XXXX2024 using my XXXX CHASE credit card. My statement shows the charges. I chose the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX, 2024. Upon the check-in into the XXXX XXXX XXXX at XXXX XXXX hotel , which is XXXX owned , front desk requested a credit card for incidentals. I charged a beer to my room on XX/XX/XXXX of {$14.00}. At the end of my stay, I received a bill of {$360.00} in which {$340.00} is not valid. 

I initially tried to resolve the issue with XXXX and forwarded the confirmation documents of the package, but to no resolution. The agent stated I stayed an extra day which is not correct. I then sought resolution with my credit card company CHASE which is the card I used for all of the transactions. They initially credited my charge card and they stated would investigate my dispute to resolve. Then on XX/XX/XXXX, CHASE closed the case without reviewing the documentation I submitted to them showing I paid for the entire package in advance. I called CHASE and they said I had to call them to reopen the case. Then the next agent stated I have to submit a dispute for a new case. I did that. On my online account, I do not see they have opened or reopened any investigation.

I am kindly requesting a credit back to my account {$340.00}. I just want my credit card to be credited back correctly. I do not like the way CHASE handled this issue. Their agents were lazy with reviewing their documents as well as my documents.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally file a complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by the credit reporting agencies ( CRAs ) XXXX, XXXX, and Experian. 

****THIS COMPLAINT IS SPECIFIC TO EXPERIAN**** I recently investigated my credit report and found several inaccurate accounts/ creditors in my report.

As outlined in the Privacy Act of 1974, consumers are entitled to certain privacy protections regarding their personal information. I believe that the CRAs have violated my privacy rights by not adequately protecting my information and failing to notify me of how my personal data is being used or shared without my explicit consent, as further supported by 15 USC 1681.

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

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

15 U.S. Code 1681i ( a ) ( 1 ) requires the CRA to investigate any disputed information, including inaccurate late payments, within 30 days of the dispute being filed.

15 U.S. Code 1681i ( 5 ) ( A ) mandates that if the CRA or creditor finds that the disputed late payment information is inaccurate or unverifiable, it must be promptly deleted or corrected.
Consumer complaint received 2024-09-24
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. (NM)

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 XXXX of the Fair Credit Reporting Act.
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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. (TX)

I'm reaching out again about the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report. Despite my repeated efforts to resolve this, the problem persists. These unauthorized entries have severely impacted my life, causing considerable stress and anxiety. 

I want to emphasize that I never authorized or consented to this information being associated with my name. I've been a victim of identity theft, and these entries are a direct result of that crime.
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. (TX)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The address listed below I have never lived at, and they must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

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 2024-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CT)

My servicer is ED Financial. 
I have included a screenshot of all payments and reversals made in the last 2 months. 
I should not be past due. 
They won't take my money. I don't know what to do.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm submitting a personal complaint about late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent letters about this issue more than 30 days ago, but I've received no response, and they haven't provided adequate validation.
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. (MS)

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 2024-09-23
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. (CT)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
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. (PA)

When I checked my credit report this morning, I was stunned to see that inaccurate accounts had appeared for no apparent reason. I always keep an eye on my credit report, but this time, I found discrepancies that came out of nowhere. I even tried refreshing the page, thinking it might be an error, but the wrong accounts were still there. Because of this, I'm asking that the documents Ive submitted be thoroughly reviewed so I can be free from worrying about this issue ever again.
Consumer complaint received 2024-09-24
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 information is inaccurate.