davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

This is in response to Experian 's attempt to clear their errors from my report AFTER receiving my complaint through the CFPB ( XXXX ) and not have to pay for their errors or damages to me. I will attach a copy of my credit report, Which, was received shortly before my complaint was submitted. You can see where all of the items listed in my complaint actually DO and DID exist. Due to this proof, Experian should be held liable and compensate me appropriately.
Consumer complaint received 2024-06-07
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. (FL)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 2024-06-08
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-03-15
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. (WA)

I reviewed my consumer report, I noticed that there are inaccurate accounts and inaccurate information on my consumer report. The consumer reporting agencies never gave me the right to opt-out from sharing my information with such agencies, They never asked for my permission to furnish this information. They have assumed this vital role and have infringed upon my right to privacy by selling my data to a 3rd party debt collector, Pursuant to 15 USC 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. 

REMOVE ALL INQUIRIES Inquiries/ Regular Inquiries/ Promotional Inquiries/ Account Review Inquiries REMOVE CLOSED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (PA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.JXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am 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. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. )
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This company has violated my rights, since the account was reported month after month in charge off ( XXXX ) and this is illegal. In addition, the full payment of the account was agreed with the entity and it was verbally agreed that it would not be reported on my credit report.
Consumer complaint received 2019-07-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (MO)

I have contacted company about debt owed they use trick questions in the financial assistance department. I am will to pay on account I was asking for some extended or tack behind on end of loan or pay interested to get account caught up. I was willing to pay one full payment. However the Financial assistance department asked me a series of questions to see if I qualify. If you answer and say yes you cant afford your payment they tell you that you do not qualify for financial assistance. But they are trick questions. I am just trying to get my credit back on track and get the account caught up. Ive also called me Sunday before XXXX XXXX. the times for Sunday cause I thought it was XXXX to XXXX
Consumer complaint received 2024-06-08
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)

XXXX XXXX  Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-07
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (UT)

XXXX accounts are showing up on my credit reports that are not mine. The address and phone number associated with them are also not mine. I have never lived at the address or in the state. Nor have I ever shopped at XXXX XXXX XXXX or XXXX XXXX. 

TDRCS/XXXX. Opened XX/XX/year> {$5900.00} it has been charged off but is affecting my credit. Company is disputing also- File # XXXX XXXX XXXX. Also opened XX/XX/year> {$8000.00} it has also been charged off but is affecting my credit. Havent been able to get ahold of company.
Consumer complaint received 2024-06-07
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. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account numberXXXX  Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX
Consumer complaint received 2024-06-07
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. (MI)

I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXX Credit Card from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX  XXXX Credit Card verified the account as accurate, but I do not understand how they could have done that. I have also gotten zero help from XXXX XXXX XXXX  and they have not been able to provide me with any information even after I have sent them letter disputing account.
Consumer complaint received 2024-06-07
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. (CA)

I informed them several times I did not do any of these. I didn't ok any of these inquiries.i called multiple times as well as put an alert and hold so no one could run my credit without me being called first. But of course they didn't put it on my credit so that it could be stopped
Consumer complaint received 2024-06-07
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. (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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 the accounts below : XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-06-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Consumer complaint received 2024-06-07
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 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-07
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. (TX)

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 2024-06-07
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 recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXXXXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information.

2. The date on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

I want a human verified response as supposed to the computer generated responses I have been getting.
Consumer complaint received 2024-06-08
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)

XXXX XXXX XXXX XXXX  was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of XXXX XXXX XXXX XXXX