davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-14
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 inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-14
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 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
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. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-06-14
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. (FL)

I have identified unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft. Despite previous communications about this issue, these inaccurate accounts remain on my report, causing me significant stress and anxiety. These fraudulent entries do not reflect my true credit history or financial management capabilities. Dealing with this situation has been extremely difficult. 
If we can not resolve this promptly, I am prepared to take legal action to protect my rights and find a resolution. The presence of these erroneous items is a major problem, preventing me from achieving crucial financial goals like purchasing a home and providing for my family. I urge you to rectify this issue swiftly by removing the unauthorized accounts from my credit report. I sincerely hope we can reach a resolution soon.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. XXXX Account # XXXX - delete immediately - update monthly payment amount - show documentation of how the late payment reported on XX/XX/XXXX was confirmed to be accurately reported and verified. 
- How much was paid XX/XX/XXXX? 


XXXX. XXXX XXXX XXXX account - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

XXXX. XXXX account ( this account is reporting negatively, within the payment history it is coded as collection account instead of closed, provide documentation showing this was or is a collection account, provide proof that this account was late or owed a balance ) - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

XXXX. Dept of Education - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 
- Provide proof showing there was no payment made on XX/XX/XXXX, the report shows previous month to be on time yet the following month shows 90 days past due. 
delete immediately.
Consumer complaint received 2024-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (LA)

on XX/XX/31 i visited XXXX XXXX in hopes of purchasing a new vehicle but instead was discriminated against and humiliated for excercising my rights in good faith under the Consumer Credit Protection Act. 

XXXX XXXX is the salesperson i dealt with and who submitted my consumer credit application which is classified as a consumer credit transaction for a XXXX XXXX XXXX XXXX XXXX Submitted my credit application to XXXX and Chrysler Capital. 
XXXX tells me i am denied. 
I told him there is no such thing as denial only dishonor because their only job is to extend me my credit. 
He then asks me to sign the credit application that was used for denial. 
I asked him did he submit the application before me signing he said yes and I have it recorded The credit was extended but XXXX will not release the vehicle until CHRYSLER CAPITAL buys my contract. 
The credit was extended to XXXX XXXX and CHRYSLER CAPITAL as I now have a hard inquiry on my Credit Score. 
. After running credit credit application before it was signed. I also called twice to get additional information and was given the run around
Consumer complaint received 2024-06-14
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)

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. My issue is im being represented by over 10 names there is no way I can be 10 people and they have yet updated my information which is against my rights and violate at lease FCRA laws. My other issuse is I have over 20 telephone numbers that i have never seen before being reported my only number ends in XXXX. My only address beings with XXXX I will attach proof of the only one spelling of my name that represent me and not imposters. If all of this information is wrong and being reported to misrepresent me that goes to show you how inaccuraute the system that is supposed to protect the people is, I deserve to be represented correctly as XXXX am not affilited with employers I have never heard of I have tax returns to prove it. Remove
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (FL)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-14
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. (AL)

No amount i had to pay for the fraud accounts and was told they will come off if i did and they have not yet to do that so i just want to move on from this even though its not mines i still paid because i was trying to buy a home i ask them to remove the lates from XXXX XXXX didn't do that as well no balance close paid in full accounts it was only XXXX XXXX XXXX the fraud accounts was XXXX amd XXXX which i sent proof of it to remove off experian and they still have not remove it the other burearus did remove lexis nexus does not have that info
Consumer complaint received 2024-06-14
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. (AZ)

I would like to follow up in regards with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-14
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)

Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. Discovered unauthorized transactions on my account statement. Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. Received notification of an investigation but no tangible progress in removing the fraudulent items. Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. I insist on a resolution within the exact timeframe from the date of this letter. The following items should be remove as soon as possible 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with the consumer reporting agency disputing inaccurate and incomplete information on my consumer report. The consumer reporting agency responded to the dispute " nothing changed ''. I filed for a re-investigation of the disputed inaccurate and incomplete information. The consumer reporting agency responded to the re-investigation as '' nothing changed ''. It's is a " FACT '' that inaccurate and incomplete information is reporting on my consumer report. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act. The reference accounts are as followed : XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX -XXXX  XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXX These accounts are inaccurately and incompletely reporting on my consumer report. The consumer reporting agency has the duty to report 100 % percent accurate and complete information to the best of the responsibility. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-14
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.