davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-01
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. (MA)

I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-06-01
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)

It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK DEAL XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
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 CHECKED MY CREDIT REPORT AND I SEE HARD INQUIRIES THAT I HAVE NEVER AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (CA)

I have been disputing this account due to the inaccurate information being reported. 
I requested numerus time proof account was ever 30 days late. The company sent me statements TWICE, from months NOT BEING DISPUTED. proof enclosed. If statements cant be provided the account either NEEDS TO BE REMOVED from Experian and XXXX or be updated to PAID/NEVER late. they keep sending me statements for months is not dispute. Which is worthless in this matter. See attached response from company. Months in dispute are XX/XX/year> and XXXX XXXX never late.
Consumer complaint received 2024-05-31
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)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-14
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I made a call back to the number that was forwarded to me with a request to contact a Bank Representative back. I reach out to JP Morgan and Chase bank, who told me that I had outstanding Loans and fees and borrowed unsecured and secured moneys that needed collections. I stated I was the Real XXXX XXXX XXXX XXXX SSN XXXX and I had never mad any account or authorized any payment at any bank because I had been falsely imprisoned at the time the accounts were made. 
in XXXX - from XXXX till XXXX, from XXXX till XXXX then I was Released and have only opened a XXXX account for the purpose of cashing a payroll check XXXX time locally in XXXX Texas. the claimed i have outstanding loans, and Payday loans, and borrowed money that hasn't been payed, and I'm responsible. But I am under Identity Theft as my ssn and identity cards were stolen from the mail box of my mailing address and other people in the city of XXXX has used my identity for yeweh cult style living, and procuring property and businesses, and buying businesses. It wasn't me who did these things, someone whom looks like me. please help. email used was XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (SC)

Hello, This is XXXX XXXX I wrote to you before about issues with XXXX XXXX XXXX. Case # XXXX. 
You passed me off to deal with XXXX. 

Let me first explain why I am writing to you. I have Multiple XXXX and have some rights through the Americans with Disabilities Act. Law firm XXXX XXXX says they are your lawyer and XXXX. 

The lawyer for XXXX XXXX kept emailing me and I informed him not to communicate with me by email because of my double vision and optic neuritis from my XXXX XXXX. I phoned the lawyer for XXXX XXXX and he refused to talk with me and hung up the phone. 
My rights to accommodate me were refused. I contacted the CEO of XXXX XXXX and have never head back. 

I also reached put to them as I wanted to visit there firm in XXXX and to organize access for me no response. 

First question do XXXX XXXX represent New York Mellon? 
Second I am not been told the truth by XXXX as they say they have never received any hardship application since XXXX. XXXX XXXX XXXX has said they sent our application to XXXX and XXXX was the one when denied us. 
XXXX XXXX XXXX 's lawyer says our account was charged off in XXXX and no additional charges were ever put on the account since that date. This is also untrue as our XX/XX/XXXX statement has a balance of {$120000.00} owned. 

I would like correspondence back from you as you owned our loan and XXXX we're just a servicer who could not be truthful. You only need to XXXX them to see all the negative remarks. 
I will be seeking advise as my rights have been violated.
Consumer complaint received 2024-06-01
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. (IL)

XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX Experian, and XXXX Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : XXXX Charge off CCB/MPRCC Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX DC Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (TX)

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accountXXXX XXXX XXXX Experian Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX  is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2024-06-01
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. (CT)

please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I FILED A COMPLAINT WITH YOUR OFFICE AND YOU SENT ME THEIR RESPONSE, THEIR RESPONSE IS IN REGARDS TO INCORRECT INFO ON MY CREDIT REPORT. PLEASE READ MY COMPLAINT AGAIN SINCE YOU IGNORED MY COMPLAINT THAT CLEARLY STATES I AM NOT DISPUTING MY CREDIT REPORT I WANT TO TEMPOARILY REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. I CAME TO YOU ASKING FOR YOUR HELP AND YOU SEND ME A RESPONSE FROM THE COMPANY ( TRANSUNION ) THAT SAYS NOTHING ABOUT GETTING PIN NUMBER OR ANYTHING ELSE I NEED TO TEMPOARILY REMOVE THE SECURITY FREEZE. IT HAS BEEN MONTHS SINCE I ASKED FOR THIS INFORMATION ONCE AGAIN I AM NOT DISPUTING MY CREDIT REPORT PLEASE READ THE COMPLAINT I MADE AND THE RESPONSE FROM THE COMPANY SAYS NOTHING ABOUT GETTING ME A PIN NUMBER OR WHATEVER IS NEEDED TO TEMPOARILY REMOVE THE SECURITY FREEZE. HERE IS MY ORIGINAL COMPLAINT PLEASE READ IT MY COMPLAINT SAYS NOTHING ABOUT DISPUTING ITEMS ON MY CREDIT REPORT. HOW MANY TIMES DO I HAVE TO FILE A COMPLAINT WITH YOUR OFFICE FOR YOU TO RESOLVE THE PROBLEM INSTEAD OF IGNORING WHAT I ASKED FOR IN MY ORIGINAL COMPLAINT, I WILL DO SOME RESEARCH TO SEE WHOM I CAN CONTACT IN REGARTD TO YOUR COMPANY IGNORING MY REQUEST TO TEMP REMOVE A SECURITY FREEZE PLEASE READ THE COMPLAINT AGAIN TO SEE THAT I SAID NOTHING ABOUT DISPUTING INFO ON THE CREDIT REPORT I NEED TO REMOVE THE SECURITY FREEZE FROM TRANSUNION ASAP. THEIR RESPONSE SAYS NOTHING ABOUT THAT PLEASE READ THE COMPLAINT AGAIN SINCE YOU ARE NOT RESPONDING CORRECTLY TO MY ORIGINAL COMPLAINT NO XXXX
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (VA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX XXXX XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.