davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX ] [ XXXX, TX XXXX XXXX Dear [ XXXX ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DUE TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

MERCHANTS CREDIT GUIDE ADDRESS XXXX XXXX XXXX XXXX XXXX, IL XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

As part of energy saver and save on my electricity bill, went with XXXX XXXX XXXX to assess and install the solar panels. 
Now it's almost one and half year, the first year the solar was looks to save my bills, but this year am landing up paying loan for my solar panels and also paying electricity more than the normal bill, Some where the company is failed to assess completely my power requirements and just to sales, they promised that the installed solar panels will help me reduce my electricity bills. 
I see steep increase in my electricity bill contiuously i am paying XXXX, XXXX and XXXX along with {$91.00} towards solar panels loan, ultimately i am XXXX and XXXX and XXXX, as part of saving, i am land up paying more bills The loan is with Dividend Solar Finance LLC Attaching the my electricity bills from XX/XX/year>, XXXX bill is minimum bill around {$23.00}, But XXXX month you can see that steep increase in electricity bill, along with that i need to pay the solar loan with Dividend
Consumer complaint received 2024-10-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION (IL)

I have been informed of a fraudulent loan involving myself in XXXX, when I received several calls regarding this fraudulent loan. A similar letter to the one enclosed related to balance on a loan was received in XX/XX/XXXX. I spoke on the phone with one of the banks representatives who suggested me to appeal via sending some documentation. I immediately responded to that letter on XX/XX/XXXX. The response included signed and notarized forms Sallie Mae sent to me, including an ID theft affidavit, a Fraudulent Account Statement, his drivers license, and an FTC Identity Theft Report, made immediately on XX/XX/XXXX. Copies of these docs are attached. 

In response to that correspondence I was expecting a discharge and an apology, a letter from the bank acknowledging the fraudulent loan issued by them, or their companies unsecure portals through which anyone can apply and receive funds through a fraudulent application, by just giving someones name and address ; instead I received yet another letter with an increased balance now. 

Please, review the enclosed documents carefully, and the application process of the fraudulent loan. 

I made another call to Sallie Mae Bank, and the representative that responded asked me security questions. All the info in their database was suspected fraud ; s information. The email address, the phone number. They only had my name and mail address. The persons I suspect made this fraudulent application involving me, who was an ex-co-worker. I have given Sallie Mae Bank all the info I have related to that person who disappeared and I suspect went back to her XXXX  after the Covid-19 pandemic. All the details in the response to Sallie Mae attached. 

I am deeply offended by this story. I expect your office to take action and make Sallie Mae Bank remove my name from this fraudulent loan, and stop harassing me because I have nothing to do with it. 

If you have any questions please contact me via XXXX or email : XXXX Respectfully,
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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 Name 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 2024-09-11
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: EQUIFAX, INC. (GA)

This morning, I was really upset to see unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report regularly, and this time, I found discrepancies out of the blue. I even tried refreshing my browser to make sure it wasnt a glitch, but the inquiries were still there. Im frustrated and asking for the documents Ive provided to be thoroughly reviewed so that I can put this issue behind me for good.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-29
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/year>XXXX  I submitted a notice of dispute directly to your company because I was unaware of 3 collection accounts on my credit report. I NEVER RECIVED A RESPONSE FROM YOUR COMPANY. I am disputing under the FDCPA Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.
Consumer complaint received 2024-09-11
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. (UT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-29
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-31
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. (GA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I applied for a car loan, and during this process, multiple companies conducted inquiries on my credit report. While I authorized the initial application for a car loan, I am not contracted with or affiliated with the following companies that performed these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted credit inquiries without my direct consent or authorization beyond the scope of my initial loan application. I am not in any contractual agreement with them, and these inquiries should not be on my report as they do not reflect any established accounts or agreements. 

Applicable US Codes Supporting My Dispute : 15 U.S.C. 1681b ( Fair Credit Reporting Act - FCRA ) : This section of the FCRA outlines permissible purposes for accessing consumer reports. Inquiries without proper authorization or direct consent violate this provision, as they must be connected to a legitimate business transaction initiated by the consumer.

15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : This section mandates that consumer reporting agencies must block reporting of any information that a consumer identifies as resulting from an identity theft-related incident or unauthorized access.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section, credit reporting agencies are required to investigate disputes and remove or correct inaccurate, incomplete, or unverifiable information promptly.
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (RI)

This debt was from an account erroneously opened with XXXX as I never actually moved into the apartment in the summer of XXXX. The collection company has since re-aged the debt to XXXX which is illegal under the FCRA and has had a severe negative impact on my credit.
Consumer complaint received 2024-07-05
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. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
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. (MS)

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4100.00}
Consumer complaint received 2024-09-11
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-29
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$7600.00} XXXXXXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2024-08-29
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-09-24
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. (TN)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-29
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. (MI)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (TX)

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

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

15 U.S C. Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions 15 U.S C. 1681 ( c ) .a ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : 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.