davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

My identity was stolen and someone applied for a loan through XXXX XXXX XXXX, back in XXXX of XXXX, and the amount currently reflecting {$2700.00} account number # XXXX. I called the company but no one gets back to me. I already had a fraud statement on my report requesting a call if someone applies for a credit card and or uses my credit for any reason and those actions was never used to assure my credit protection from Experian, the credit bureaus never followed through with protecting my credit and or fulfilled my request which is in bold on my credit report. 

I called Experian several times to dispute this information and sent Experian via XXXX Mail a copy of the Identity Theft report and uploaded a copy to my credit profile and they have not removed this account from my report. 

According to XXXX XXXX XXXX XXXX is no longer in business In XX/XX/XXXX, the Company announced that XXXX, XXXX had ceased all loan originations. No one in this company has provided or fulfilled my request for documentation of proof of ownership of this debt or how they obtained my information.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co (CA)

I enrolled in XXXX in XX/XX/year> in the full-stack web development course. I agreed to pay almost {$35000.00} after interest through their tuition deferment program, the terms being that I would not have to pay until I landed a job and that I would not have to pay while I was still enrolled as a student. I am currently 50 % through the course. During enrolment, I was promised a dedicated team which included a XXXX XXXX XXXX XXXX XXXX and several other live XXXXXXXX XXXX. Throughout my time as a XXXX, XXXX has gone through XXXX rounds of layoffs with XXXX communication. I lost the entire team, they changed XXXX channels without telling anyone, and the ability to get help was a reply to " go to XXXXXXXX ''. I tried many times to reach out to XXXX that what I had originally signed up for and was legally bound to pay for was no longer a service they were providing. They've removed and redone parts of the original course and I have no idea as to what they removed and if I am still getting my money 's worth. They have completely redone their website and are now charging $ XXXX less for the same program I am currently enrolled in with broken links and lack of availability from staff to help. They said they don't hire graduates, when in fact, many of their learning assistants are recent graduates and many times are not able to help me causing me to have to wait extra time until I can finally get help. Most of the time I am told to just go to XXXX, and it does not make sense to charge me {$35000.00} to talk to a research XXXX  tool. I am very worried that they will not be able to hold up to their promise ( and main advertising line which can be seen all over their website ) of placing me in a job. I signed up for this because they advertised and promised a better life and financial security through tech job placements. They say they have affiliations, but their affiliates have frozen hiring. I know this because I am in touch with students who were hired and because my husband, for example, graduated 7 months ago, and has over XXXX applications submitted and no job offers. XXXX is falsely advertising what it can not sustain. They have been put in court before and I am extremely concerned to the point that it is affecting my daily life due to an increase in XXXX  and stress. They are showing no signs of wanting to help me.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payments. Despite sending inquiries over 30 days ago, I've received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.
Consumer complaint received 2024-07-03
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. (OR)

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts with 3 Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Please help me correct the following accounts : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX  Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

XXXX XXXX # XXXX
Consumer complaint received 2024-07-19
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. (GA)

" 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 2024-07-19
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-19
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. (GA)

" 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 2024-07-19
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)

I am writing to formally request the removal of unauthorized hard inquiries from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : Inquiry by XXXX XXXX XXXX XXXX XXXXXXXX ] on [ XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] Inquiry by [ XXXX XXXX ] on [ XX/XX/XXXX ] As per 1681b of the FCRA, hard inquiries should only be listed on a credit report if they are the result of a consumer-initiated action. I did not authorize these hard inquiries, nor did I initiate any application for credit with these entities.

To comply with 1681i of the FCRA, I kindly request the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I request that you provide accuracy by contacting the companies that reported these inquiries and showing proof that I personally authorized these hard inquiries. If there is no proof of my authorization, these inquiries must be removed immediately in accordance with 1681e ( b ).

Specifically : 1681b. Permissible purposes of consumer reports : Hard inquiries must be based on a legitimate purpose, such as a consumer-initiated transaction. 
1681i. Procedure in case of disputed accuracy : Requires the credit bureau to conduct a reasonable reinvestigation of disputed information and provide results within 30 days.

1681e. Compliance procedures : Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. 

Enclosed within this complaint, I have included the necessary identification documents ( social and drivers license ) a copy of my credit report highlighting the disputed inquiries for your reference and a copy of the identity theft report these inquiries regarding the compaines.
Consumer complaint received 2024-07-19
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-07-19
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. (PA)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and 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 XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info. 

FTC Report XXXX : XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Terms Duration has missing information and XXXX Compliance Condition Code : questionable date please delete error. 
I have unauthorized inqiures with companies that I have never apply for any accounts for business or lines of credit with please delete the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE FOLLOWING ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2023-11-08
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)

XXXX, XXXX XXXX Experian has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX XXXX