davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

The following is a list of inquiries that were authorized without my content, using my personal information to open accounts fraudulent. The inquires In questions are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (OH)

My wife and I were bumped from an international XXXX flight XXXX XXXX weekend, 2023. We were promised {$2000.00} in compensation. 

Turns out the compensation is in the form of gift cards only. 

Thinking them the safest and most easily used, I selected {$1000.00} of that amount to be in the form of American Express gift cards... they were available only in {$200.00} increments. Which means I have XXXX of them to use. I activated them as instructed. 

Since that time I have tried using them on multiple websites and they continually decline for no apparent reason : XXXX, XXXX, XXXX, etc. 

The customer service number on the card takes you to an automated system only, with no human available to explain why the cards continually decline. 

They are set to expire at the end of XXXX and I have NO recourse. I will lose the {$1000.00} since I am not able to find any company who is able to process them.
Consumer complaint received 2024-06-15
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 am writing to formally dispute incorrect information in my credit report in accordance with Metro 2 compliance standards. The information in question pertains to the opening date and status of an account reported by [ XXXX XXXX XXXX ]. 

Account Information : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Disputed Item Description : Incorrect account opening date and status Dispute Codes : T - Claims current account status incorrect R - Disputes collateral information Nature of Dispute : According to the Metro 2 guidelines, the opening date and status of the account reported by XXXX XXXX XXXX on my credit report are incorrect. The report lists the opening date as [ XX/XX/year> ], Additionally, the account is incorrectly listed as an open account when it is, in fact, closed. 

I would like to request all methods of verification for this account including all name and numbers and email address of whom you verified previous information with.
Consumer complaint received 2024-06-15
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)

I have identified these items on my report that are related to identity theft. These items are not related to any transactions completed by me. These hard inquiries listed from : 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ) I'd like to ask you to investigate this account and update these payments to be paid on time immediately. Thank you for understanding and taking the time to take action.
Consumer complaint received 2024-06-15
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)

This is to follow up regarding the ongoing issue of negative items on my credit report. Despite these attempts to have these inaccuracies corrected, the negative items remain on my report, significantly impacting my financial standing and credibility.The negative items in question are inaccurate and have been incorrectly listed on my credit report for an extended period. Despite providing comprehensive documentation and evidence to support their removal, they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. I expect a thorough investigation into why these negative items persist on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Payments that were marked late by your company for the following accounts : CAP ONE AUTO Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-15
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)

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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-06-15
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.

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 2024-06-15
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)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2023-11-22
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: Arivo Acceptance, LLC (FL)

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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. (AL)

This account 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 should Not include an active payment history. This inaccurate information faisley manipulates the statute of limitations. You failed to 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 the following : Accounts Name : XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX, XXXX, XXXX , was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX , 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 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 those accounts 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX , Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
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. (MO)

According to FCRA 605B, any erroneous accounts should be removed from my credit report. Could you review the documents? There are inaccuracies in some of the listed accounts, particularly in terms of amounts and dates.
Consumer complaint received 2024-06-15
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am disputing an account with XXXX XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates XXXX XXXX XXXX. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and XXXX concerns.
Consumer complaint received 2024-06-15
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. ()

This is my 8th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-15
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. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-15
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. (NJ)

Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX  XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX help finan Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 




i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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. (AZ)

In regards of these attempts to have this inaccuracy corrected, it remains on my report, significantly impacting my financial standing and credibility. Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite numerous requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. I urge you to prioritize this matter and take all necessary measures to ensure the prompt correction of the late open account on my credit report. Please help me correct the late open account in my credit file immediately : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance : {$2400.00}.