davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am writing this due to the fact that Experian, XXXX XXXX have reported I have an outstanding debt with. They have failed to uphold the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have an issue with experian. They are not updating my information and have items lingering on my report that are inaccurate and incorrect. I have asked for validation and verification and they have not complied with my written request but are still reporting the inaccurate information. I am making a formal complaint and would like this matter investigating accurately and resolved.
Consumer complaint received 2024-07-05
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
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)

I have diligently followed all necessary procedures to dispute these accounts. I contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I provided an FTC report, which they confirmed as valid. XXXX and XXXX have complied with legal requirements and removed the following accounts. However, Experian is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite my previous claim to Experian, I am still facing difficulties. Experian alleges that the documents I've provided are inadequate. It appears Experian is not fulfilling its legal obligation to process the identity theft report, even though the accounts have been removed by the other bureaus. 

I want to emphasize that I reported the identity theft to a law enforcement agency, specifically the FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft and my inability to access my credit is severely impacting my personal and professional life. 
I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. For clarity, I am the sole individual submitting this complaint, without the involvement of any third party. I implore you to address this issue promptly. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (CO)

Dear Experian, I am writing to bring to your attention some discrepancies I have discovered on my credit report, which I reviewed on XX/XX/year>. I have found that certain information related to the following accounts is incomplete and inaccurate : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX, Account Creditor Information : XXXX XXXX XXXX XXXX Account is Inacurate Due To Fruad By Someone Else. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate Due To Fraud By Someone Else. 
Account Name : XXXX XXXX Account Number : XXXX Account Dates are Inacurate. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to the individual for whom the report is prepared. 

I kindly request that you review these accounts and rectify any inaccuracies at the earliest. Your prompt attention to this matter will be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.
Consumer complaint received 2024-07-05
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. (AR)

There are multiple accounts opened in credit my report and from the timeline of these years, I was away. 
Around about the years of XXXX to XXXX. 
From the end of XXXX to close to the end of XXXX. 
From XXXX to XXXX. 
XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX to XXXX. 
The end of XXXX to XX/XX/XXXX. 
Between these years the only time I had any credit was when trying to further my education. Other than that it seems as if my report is inaccurate, therefore if at all possible may I request everything anyone has misused while I was absent? I believe my absence may have been done on their part. Thank you!
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-07-05
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)

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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)

I am revoking all rights and I am opting out immediately as a federally protected consumer. 

I am requesting the removal of all personal information. I have non mailable addresses on my credit report that needs to be removed immediately. 

Current address ; XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-07-05
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. (TX)

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please help conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00}.
Consumer complaint received 2024-07-05
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. (SC)

Dear XXXX, Experian, and XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} XXXX XXXX XXXXhis account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (NC)

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-07-05
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. (VA)

please remove these account from my credit report which is listed in the FTC and letters 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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-05
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. (AR)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

There was an account in credit card that was opened in XXXX from XXXX XXXX  with an address listed that i have never lived. The approval limit was i believe XXXX. My social has been stolen and compromised. All was done was a removal no other action was taken or compensation.
Consumer complaint received 2024-07-05
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)

Im interested in my report being sent out today to Experian along with my dispute letter. The reason being is because I have been a victim of identity theft. Someone was able to get access to my information & to get a home in my name without any permission being given. Im requesting an updated report mailed to me & one showing the item being removed.
Consumer complaint received 2024-07-05
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. (SC)

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, XXXX, and Experian, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.