davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. 

XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 

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 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 2024-06-29
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 paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made
Consumer complaint received 2024-06-29
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)

Account : XXXXXXXX XXXX XXXXXXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from Experian stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' XXXX stated " Dispute resolved '' No changes made. 


~ XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report immediately.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

I joined Citi Bank and started my direct deposit for my XXXX XXXX checking and within the first day my account was blocked twice. My card was turned off multiple times and my XXXX was also blocked. I called about my online access being restricted and the bank continued to state that it was a security measure that my account was being restricted. Now this is the seventh time that my account has been restricted and I have tried to use my debit card only to learn it was restricted yet again for fraud with out any knowledge or messages for a reason. This bank is HORRIBLE for consumers and should not be allowed to do this to people because it should not be this hard to access your money.
Consumer complaint received 2024-06-29
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX OF XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-02
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)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-06-29
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. (MI)

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. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I had identity theft and somethings that are reported does not belong to me. I've contacted the companies and all three credit bureaus. Experian refuses to fix the things that are wrong and false even after XXXX and XXXX has already fixed it on theirs. I don't not give them permission to be reporting anything about me under the fair credit report act. Experian also refuses to take off addresses, names and other information that I have told them does not belong to me. I have hard inquiries that should not be there with companies that I have no business or any dealings with too.
Consumer complaint received 2023-05-27
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. (TX)

I am submitting this formal complaint regarding the flagrant presence of fraudulent information on my XXXX XXXX. It is crucial to note that I previously corresponded with the XXXX XXXX XXXX on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on XXXX XXXX XXXX to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within XXXX business days of receipt. XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX / XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX. Please update the account as Paid/Current. 
XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX or XX/XX/XXXX. Please update the account as Paid/Current. 
Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and anxiety due to these abusive and unfair practices.
Consumer complaint received 2024-06-29
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)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-06-29
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)

There was a processing delay. I made the payment on time however the delay in processing caused my account to fall delinquent. I spoke with the creditor and they facilitated a reversal of the delinquent status and late payment, putting my account current again. 

See attached email receipt of the reversal
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have sent Transunion, XXXX, and XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccasary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immidiatly also I have fraudlent inquries appearing on my credit report as the following goes. XXXX XXXX XXXX XX/XX/year> Remove all of the fraudlent and inaccurate data from my report you're commiting a willful FCRA violation and I am tired of you not taking me serious especially when I sent a FTC report plus the correct reports for the bankruptcy.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX Personal Loans {$4100.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$4100.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$5400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4100.00} Date of Last Payment XXXX XXXX XXXX  Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Remarks Charged off as bad debt. Profit and loss write-off.
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My previous method of verification request on XX/XX/year> was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/year> that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request. Which is a violation of my rights. 

SEE ATTACHED LETTER FOR COMPLAINT DETAILS
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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. 


Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, account attributed to entities like XXXX XXXX  do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. This account never belonged to me.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-29
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 notice that there are late payments being displayed on my credit report on XXXX, Experian, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-06-29
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)

On XX/XX/year>, Bank XXXX XXXX informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least XXXX phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from XXXX XXXX to resolve the issue... .still have not heard from XXXX XXXX XXXX I in turn contacted Experian to put a fraud alert on the XXXX XXXX  XXXX XXXX, I received an alert the fraud alert would not be honored because the XXXX said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the XXXX XXXX XXXXXXXX or the Experian issues????