davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am sending these request for the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2017-05-11
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 — Problem with personal statement of dispute
Company: Grant & Weber (CA)

Since  XXXX   XXXX ,   XXXX   I have been struggling to remedy the effects of identity theft. Most of the fraudulent accounts I have been able to block successfully, however  one debt collection agency refuses to block the fraudulent accounts I have specified. Through certified mail, I sent them documents three separate ti mes supporting my position. I sent a letter identifying myself as a victim of identity theft and specified the fraudulent accounts, a  XXXX   XXXX  County police report, an FTC Identity Theft Affidavit signed by an officer, a copy of the credit report with the accounts indicated, a copy of my California 's Driver License, and a copy of an insurance statement as proof of my address. I have called  three times but I keep getting the run around, or have debt collectors s creaming in my ear until I have no choice but to hang up. They conducted an investigation, and failed to notify me of the results. They decided after reviewing the information on the reports, that the debt was in fact mine. But several of the accounts were opened while I was incarcerated in state prison, so they are wrong. I do n't know how to deal with this company and I need help enforcing the law, otherwise these fraudulent accounts will remain on my credit report.
Consumer complaint received 2023-06-24
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. (CO)

I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : Debt Buyer Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks Inquiries 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
Consumer complaint received 2024-09-10
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)

I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These 3 unauthorized accounts and 5 inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES- XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ) , and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-10
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. (NY)

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.

I ask Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2017-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I would like to submit a complaint regarding Transunion. It has been well over 30 days and Transunion never investigated and did not send me results of the accounts and inaccurate information I disputed on my Transunion credit report. I mailed a written dispute to Transunion on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Transunion credit report/file and requested an investigation by Transunion. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX ,   XXXX    XXXX   XXXX  #  XXXX ,   XXXX   XXXX   XXXX    XXXX , and   XXXX    XXXX  #  XXXX .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Transunion has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Transunion aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) You are required by federal law to verify throughout the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I would like to submit a complaint regarding Experian. It has been well over 30 days and Experian never investigated and did not send me results of the accounts and inaccurate information I disputed on my Experian credit report. I mailed a written dispute to Experian on or about  XXXX / XXXX /  XXXX  . I disputed several inaccurate, erroneous and unknown accounts reporting on my Experian credit report/file and requested an investigation by Experian. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX , Standard Mortgage #  XXXX ,   XXXX   XXXX   #  XXXX , Louisiana  XXXX  #  XXXX  and  XXXX   XXXX  #  XXXX . Experian did respond in thirty days too all of the accounts I disputed It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  thirty  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Experian has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Experian aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Consumer complaint received 2024-09-10
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)

I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (NC)

Om or about XX/XX/XXXX I purchased a vehicle jointly with my son from XXXX. XXXX and in XXXX we were contacted by XXXX XXXX in regards to us making a payment to them instead of XXXX XXXX. I asked them to provide information on the obtaining of the contract from XXXX XXXX  as we were not aware at the time that XXXX XXXX  had been shut down by the federal agency. I went to the XXXX XXXX  location in XXXX NC and found they were out of business and I stop making payments to XXXX as of XX/XX/XXXX. XXXX XXXX repossessed the vehicle in XX/XX/XXXX but begin to report to the credit burearu that my payments were current and they had possession of the vehicle. XXXX XXXX has since reported to the credit burearu that I missed XXXX payments in order to destroy my credit. All payments that I made to XXXX XXXX  had been removed which also negatively impacted my credit score because it appeared I did not have an auto loan nor had I ever had one. Now XXXX decides to report the vehicle as being in good standing as of XX/XX/XXXX but the car was repossessed in XX/XX/XXXX. XXXX XXXX continues to call demanding money for the car when they informed me that they were selling the car at a private sell on XXXX XXXX. They send me emails and continuously call my phone when I no longer have the vehicle and do not internd to honor an unlawful contract which was deemed unlawful for various reasons by the federal agency. We spent all our savings to purchase this car and now we have no car and due to the false reporting of XXXX we cant get another car if we wanted to.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-10
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account 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 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX