davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : XXXX XXXX XXXX Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by XXXX  XXXX XXXX on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC (MN)

Best Egg XXXX has XXXX  dialed me about a past due debt ( not due ) excessively daily since XX/XX/XXXX. The majority of the calls have been unanswerable and that is why I assume they are roto-dialed calls. -- I have explained at least twice to XXXX Best Egg agents that my Best Egg account is not past due because their payments have cleared my bank account.I pay Best Egg online monthly and would like the excessive phone calls to stop. ( I just received another Best Egg phone call at XXXX XXXX. this morning XX/XX/XXXX during work hours. )
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Capital XXXX - XX/XX/XXXX 2024
Consumer complaint received 2024-08-21
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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
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)

I mailed my XXXX XXXX dispute letter on XX/XX/year> and they violated XXXX XXXX XXXX permissable purpose and they dont have any written permission to furnish my XXXX XXXX according to the family education rights and privacy act XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (GA)

XXXX XXXX a charge listed under the XXXX retailer was made on my debit card for {$440.00} which wasnt made by me in fact I reached out to the retailer and was told it wasnt their actual company who the purchase was even made from. I disputed through my debit card services which is Albert and was denied and told that they had documentation of why it was denied and I never received it. The charge was not made by me I requested a new card to be sent out and wasnt given a credit back to my account
Consumer complaint received 2024-08-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Incorrect Information from Credit Report| FILE NUMBER XXXX Dear Experian, I am writing to formally request the removal of incorrect phone numbers, non-mailable addresses, and misspelled names from my credit report. These inaccuracies not only compromise the accuracy and fairness of my report but also violate federal compliance procedures, as stipulated in 15 U.S. Code 1681e, 1681b, and 1681c. 

Account Information : Name : XXXX XXXX XXXX Social Security Number : Date of Birth : XXXX The following incorrect and non-mailable addresses are listed on my credit report and should be removed : - XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX B XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX B XXXX XXXX, PA XXXX - XXXX XXXX XXXX, XXXX XXXX PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Additionally, the following phone numbers are incorrect and should be removed : - ( XXXX ) XXXX - ( XXXX ) XXXX Moreover , the following misspelled names need correction : - XXXX XXXX - XXXX XXXX  XXXX These inaccuracies in my credit report breach compliance under : - **15 U.S. Code 1681e** : Mandates that consumer reporting agencies ensure accuracy and fairness . 
- **15 U.S. Code 1681b** : Requires that agencies ensure the information is used only for permissible purposes; listing non-mailable addresses without verification or legitimate purpose violates this provision. 
- **15 U.S. Code 1681c** : Mandates accuracy and completeness ; reporting incorrect and non-mailable addresses violates this requirement. 

I kindly request that these inaccuracies be corrected and that you confirm the actions taken in writing. Enclosed are copies of my identification and proof of residence to assist with your verification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX ; XXXX XXXX ALLRIGHTS RESERVED
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I have been using XXXX by Goldman Sachs for my savings account and attempted to withdraw money. My account has been locked since the beginning of XXXX and have called their customer service line numerous times to unlock my account and withdrawn my money to no avail. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, confirmed my identity to them each time, and have been unable to find a resolution to unlocking my account. My money is now in their savings and I am unable to withdraw any money out.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

I used their cash advance to help a friend, the amount was {$50.00}. I was charged an {$11.00} fee for the transaction plus interest of {$1.00}. A 26.64 % fee on {$50.00}. This is absurd and totally gouging the consumer. And its all hidden in their fine print. And, the XXXX did not come with the original bill, it came one month after. Something needs to be investigated at CitiBank
Consumer complaint received 2024-09-18
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 have recently sent a request for a procedural investigation and Experian has failed to comply with the request that was made. I still have inaccurate information on my credit report and the information is incomplete. I am requesting that the CFPB take a further investigation into this matter. The regulation clearly states, " 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 ''. This is not the case with Experian there has not been any reasonable procedures conducted in investing this matter and I would like to have this account deleted from my credit report effective immediately. I have attached all evidence that prove my concerns. PLEASE SEE ALL ATTACHED DOCUMENTS.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Fully paid off my XXXX of my subsidized loans on XX/XX/XXXX. The COVID forbearance got extended, and so I requested a refund. The refund never went through, so I called in XXXX to cancel the refund before the extended forbearance ends, which should backdate my full payment to XX/XX/XXXX again, meaning I should not get charged any interest according to the Edfinancial associate I spoke on the phone with. I provided bank statements and payment receipts to prove that I paid in full and that I did not receive any refund into my bank account. I have called multiple times to ask when my case would get processed, but kept getting told they do not know when it will get taken cared of by the appropriate department. On XX/XX/XXXX, I get a letter from Edfinancial that I paid in full only for XXXX loans, and I am getting charged interest on the remaining loan.
Consumer complaint received 2024-08-21
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. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-21
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. (MN)

I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-21
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. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-21
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. (MN)

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX  XXXX - XXXX - Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX  - XXXX - Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX XXXX - XX/XX/year> - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.