davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Under the FCRA ( fair credit reporting act ) Experian is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/XXXX, the second letter XX/XX/XXXX, and the third letter XX/XX/XXXX. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that Experian delete all of the following unverified accounts immediately. 

REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (AL)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as Experian, XXXX and XXXX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-13
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: Experian Information Solutions Inc. (PR)

XXXX I have not received an update on the dispute for more than 35 days. 

EXPERIAN : XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-13
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)

This is my personal statement that the two listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following two fraudulent accounts from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX provides me with information on my credit report that is incorrect, inaccurate information! 
XXXX account # XXXX Date open : XX/XX/year> XXXX XXXX : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact incarcerated for past blunders!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-14
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. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX  BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-14
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. (MI)

On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ) and the Fair Debt Collection Practices Act
Consumer complaint received 2023-07-25
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. (IL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2024-07-14
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. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX BALANCE XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX for web profile there is a cloned account denying use of consumer credit file on web domain. The cloned account name is XXXX XXXX XXXX which is an improper format of legal name. The credit file has not been used as of the day of this complaint. The cloned account is of account services debit account clone than issued by computer error from social XXXX to XXXX and used by illiterate US consumer. A cloned debit account credit profile is blocking a US consumer credit account. Personal info is exposed on web site. Web site for member is not available to US CONSUMER. a cloned web page appears before passing grade web site.
Consumer complaint received 2024-07-13
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)

These credit reporting organizations have not respected my disputes and are in violation of FCRA rules. Under 15 U.S.C. Section 1681i ( 6 ). They have not supplied me with written results of their inquiry or a statement stating that the reinvestigation process has been completed. That should have been sent 5 business days after the investigation concluded. It's been almost 45 days since I voiced these concerns, and I have yet to get any such notice or comment from their agency. This is when the law, namely 15 US Code 1681i ( 6 ), comes into play, and they are required to follow it.
Consumer complaint received 2024-10-25
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)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Consumer complaint received 2024-07-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all three bureaus : XXXX, XXXX, and Experian.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This account was closed XX/XX/year>, but is constantly updating as if it is still active and open. This is not fair and it is impacting my approval odds for a house, i feel it is only fair to remove this account from my report there since nothing else is seeming to work in my favor.
Consumer complaint received 2024-07-13
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, 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.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Chime Financial Inc (CO)

On XX/XX/XXXX, someone attempted to open a XXXX credit card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX fraud department so luckily the application was denied. On the same date, someone successfully opened a Chime Debit Card and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and Chime card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Consumer complaint received 2024-07-13
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)

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 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 2024-07-13
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. (PR)

I recently review a copy of my credit report and noticed I have fraudulent account on my report. 
Please removed this account from my report, it is hurting my ability to obtain credit. 

A report was submitted the FTC. reference number : XXXX
Consumer complaint received 2024-07-13
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)

Recently, I reviewed my credit report from Experian and discovered several inaccuracies that have negatively impacted my credit score and financial standing. Despite my efforts to dispute these inaccuracies, Experian has failed to correct them, thereby violating my rights under the FCRA. 

Additionally, I sent Experian a letter specifying that the only address that should be on my consumer report is XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX, and the only name that I have is XXXX XXXX. However, Experian has continued to report incorrect addresses and variations of my name. 

Relevant Law 15 U.S.C. 1681e ( b ) : Accuracy of Report : This section of the FCRA mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My Complaint : Furnishing of Inaccurate Information : Experian has furnished inaccurate information on my credit report, including incorrect addresses and name variations, which has adversely affected my credit score and financial standing. 

Failure to Correct Inaccuracies : Despite my disputes and provision of evidence, Experian has failed to correct the inaccuracies on my credit report, violating 15 U.S.C. 1681e ( b ). 

Non-compliance with Specific Instructions : Experian has not complied with my request to only list XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX as my address and XXXX XXXX as my name.
Consumer complaint received 2024-07-13
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. (PA)

I lost my XXXX XXXX XXXX on XX/XX/XXXX On or about XX/XX/XXXX someone used my old XXXX XXXX, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with XXXX XXXX XXXX When I contacted XXXX XXXX, they launched a investigation but they have not done anything about it and now it is detrimental to my XXXX XXXX that I maintain a XXXX for the last XXXX years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I live at neither of these addresses nor have I ever been there
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

Debt owed amount showing on Credit report is {$8500.00}. This is a fraudulent account, I was unaware of this account until it showed on my credit report a few weeks ago. I have reached out to Att for information regarding the account but the rep gave me little to no information on what to do next.