davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Investigation Request Letter To Whom it may Concern, I recently reviewed my credit report and found a few inaccuracies on my account. These issues are negatively affecting my ability to obtain credit. I understand that you will investigate these items to confirm their accuracy. Please verify the following item for me. 

XXXX XXXX  XXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXXXXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

Are you familiar with 15 U.S.C. 1681i ( a )? According to this regulation, if proof can not be provided for the accuracy of accounts, they must be deleted. I request that you delete any accounts that are not 100 % completely accurate. 
Please investigate the following accounts and remove them if there are any discrepancies. I understand from a credit site and board that you have 30 days to complete this investigation. Kindly check these accounts and inform me of your findings.
Consumer complaint received 2024-09-12
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)

After reviewing my credit reports, ive noticed many random inquiries and have been trying to get them removed and am getting no luck but have submitted the following to XXXX and have attached that report for further review. I would really like to get all thes hard inquiries removed from my credit report as soon as possible. 

Fraudulent inquiries reported : XXXX XXXX XXXX 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 2024-10-02
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. (MD)

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 XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-12
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. (CA)

Credit Repair 1st Step This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2024-09-12
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. (TN)

Hi, this has been frustrating. You are in violation of my consumer rights as I have already notified you of these fraudulent credit inquiries on my report countless times yet my requests to have them removed are consistently ignored and/or disregarded, it's totally stressing me out.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, Experian, XXXX, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and Experian date is XX/XX/year> and XXXX date XXXX XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information.

Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, Experian, XXXX, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my tenant screening report and noticed an eviction on my credit file that I do not recognize I need this removed immediately it hurting my ability to obtain housing for myself and also my family. Please prove that this belongs to me if not remove as soon a possible
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I sent letters out to Transunion, XXXX, and XXXX regarding XXXX XXXX ( Account No. XXXX, and XXXX. XXXX ). On XXXX XXXX I received the investigation results. These accounts were not accurate and they failed to mark it in dispute a violation of the FCRA
Consumer complaint received 2024-09-12
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiry I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (CA)

Performed a routine, preventative XXXX  in XX/XX/2022, at XXXX XXXX. XXXX  are done every couple of years as a routine preventative measure for those with XXXX XXXX, including myself. There was no emergency at the time, and this was not an ER visit. 

Had active medical insurance at the time under XXXX. XXXX terms and conditions advertised 100 % coverage of preventative services. XXXX had also sent me written communication saying the XXXX  was covered under my insurance and pre-approved. 

A few months later, XXXX had only paid a portion of the amount to XXXX XXXX ( rather than 100 % ), and claimed in communications that the service was not preventative, leaving me with a balance of $ XXXX. XXXX XXXX claimed in communications they had billed it as preventative. XXXX XXXX was unwilling to work with me, and referred it to State Collection Service , Inc., a debt collector. 

I responded to the debt collector disputing the debt, saying it is not my debt, and that they should collect the amount from XXXX. They are still trying to collect from me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-02
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. (CA)

Hey I'am trying to discupe this because I've already contacted the collection agency on such date I sent him this letter back staying they can't do it or it's been verified however I need to have this remove because of such and law ok
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX - Balance {$530.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$600.00} XXXX XXXX XXXX # XXXX - Balance {$530.00} -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$5900.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX -Balance $ XXXX Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-11-02
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 am contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX Bank - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX  - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX of XXXX - XXXX Date : XXXX XXXX. XXXX XXXX - XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX
Consumer complaint received 2024-09-12
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)

Experian is refusing to block an identity theft XXXX XXXX  account from my credit file after repeatedly sending the information requested numerous times. Please take a look at their latest response and information they are asking for which was previously submitted on more than one occasion.
Consumer complaint received 2024-09-12
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. (OR)

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



XX/XX/XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-03-17
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$350.00}
Consumer complaint received 2024-09-12
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. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
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)

Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have disputed and called each company to resolve this problem.
Consumer complaint received 2024-08-22
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. (SC)

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 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 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
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. (TX)

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 2024-09-12
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)

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.