davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
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: EQUIFAX, INC. (CT)

I am writing to bring to your attention a matter concerning Equifax and the inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and as of the present date, they have not responded. I am seeking your assistance in addressing this issue promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The following are the details of the inaccurate information and the required corrections : Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX  Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove this account from my credit report as it does not belong to me.
Consumer complaint received 2023-07-30
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: Chime Financial Inc (GA)

I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on two different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX XXXX XXXX for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know XXXX open XX/XX/XXXX. The same month XXXX  open and I taken my conviction in XXXX XXXX XXXX.im not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX XXXX trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX XXXX I been having a hard time opening cd accounts brokerage trade account and etcs
Consumer complaint received 2023-10-01
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-06-07
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. (WA)

I am requesting proof of the previous investigation. Please send me 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, please update the account to PAID/NEVER late and send me a copy of my updated 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. (GA)

I have an account reported from XXXXXXXX XXXX that doesn't belong to me. I contact the credit bureaus to remove the inaccurate account they reported that it was verified as mine but when I asked what was used to verify it was me. Still no response. I have fraud protection as I was a victim of fraud. When I contacted XXXX XXXX  they could only provide an old email that the account was connected with, XXXX. That account was hacked several times. They couldn't provide documents showing how the account was opened online. This is an old account that I just discovered on my credit file. I never received about the account. Plus there are several address reported on my file that I've never lived at. I provided the credit bureaus proof of my residency. How can account be placed on my file without proper communication or notification?
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record I XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXXXXXX XXXX  XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,
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. (CT)

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. (CT)

XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

my XXXX XXXX is paid and full and i would like to have it removed from my credit report. 
There are also addresses and phone numbers and misspelled names that are incorrect and should be taken off my report. 
XXXX XXXX is also paid and full and would like to have that balanced updated to show that it is paid and full.
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. (FL)

I am writing to dispute inaccurate information on my credit report, which has adversely affected my credit score. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-06-07
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. (LA)

I am writing this complaint because I recently reviewed a disputed account reported in my consumer report from Experian, and I noticed that the account has been disputed and updated 3 times, yet the issues that I have disputed have not been resolved. Specifically, within the payment history section, there are " NO DATA '' notations all throughout the transaction history of the account. There are approximately XXXX ND notations reported in this account indicating that the account is in fact incomplete. There are a lot of payments I have made on this tradeline that aren't showing up and I disputed this issue with Experian, but the issue is not being resolved and the information is still unverifiable. Experian is allowing an account that has unverifiable information to persist in my consumer report and has failed to ensure maximum accuracy regarding the information they received from the creditor. It just continues to get updated. There are also late payments reported on this account, but the late payments show up in the payment history section inaccurately. Currently, the late payment notations show up as " XXXX, XXXX, XXXX, ND '' Since late payments do not start off as a 90-day late payment notation, it is fair to say that this information misrepresents the tradeline, it is in fact misleading, and it is currently ruining the integrity of my consumer report reported by Experian. The creditor is failing to provide Experian the correct information so that the information can report correctly. I have already provided supporting documentation over the course of 3 months upon dispute of the account each time to substantiate my claims, but I believe the creditor is allowing misreported information to report on this account with no intent to resolve it on purpose. This disputed tradeline is from The Department of Education/XXXX XXXX How is that Experian continues to constantly allow an inaccurate incomplete tradeline to remain on my consumer report? Experian is liable for statutory violations of the FCRA which can be enforced through FCRA section 1681n Civil liability.
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. (CA)

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title. 
15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies Experian, XXXX, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to Experian, XXXX, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer XXXXay exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, Experian, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-06-07
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. (FL)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
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: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

I logged into my Equifax account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. All credit cards listed are not mine except for one. First, I called Equifax and explained my situation. Equifax asked me to fax them a letter, a copy of my driver 's license, and a copy of my social security card. I did that, and the sent a letter to me saying they could not verify my identity. I confirmed that my identity is mine with the Social Security Administration and that my social security number is not tied to anyone but me. I opened a dispute through the CFPB to have this fixed. Equifax asked for me to mail them copies of my driver 's license and social security card. I mailed them to Equifax. Equifax then changed my social security number on my account, but did not resolve any other issue. Equifax then closed my case with the CFPB although my problem was not resolved. XXXX has all of my information listed correctly. My identity is easily verified by the Social Security XXXX. I do not understand why Equifax can not fix this issue. I want my information to be listed correctly on Equifax and my credit report. I do not want someone else 's account affecting my credit.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.