davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

This is a follow up to XXXX XXXX XXXX XXXXXXXX fails to recognize that statements/ bills were not sent for the time period of the missed payments. The payment of {$60.00} would have been made had a statement or bill been sent. XXXX from XXXX XXXX XXXX confirmed on XX/XX/year> that statements weren't sent and she couldn't explain why, resulting in a glitch in XXXX XXXX XXXXXXXX 's processes. 

Fair Credit Reporting Act Part d 1666 ( b ) 6 states : " B. Billing Errors ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. '' I can't make payment on a bill I don't know I have. XXXX XXXX XXXXXXXX is violating the Fair Credit Reporting Act and is inflicting financial harm through inaccurate credit reporting. They are correct in the fact that payment was not made. They are refusing to acknowledge this was in whole to them not sending a statement or any form of notice. I can't pay a bill I don't know I have.
Consumer complaint received 2023-09-30
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. (CA)

On XX/XX/2023, I filed a dispute against multiple credit cards that appeared on my Experian account which resulted in a significant negative impact on my credit score. XXXX, XX/XX/2023, I saw that some of the accounts that are not mine were removed from my credit report, but one still remains- which is not mine. I have called the lender XXXX XXXX XXXX XXXXXXXX XXXX and checked previously and confirmed that there are no other accounts under my SSN aside from the three accounts that I actually hold. Under their credit report, it shows three names- one that's clearly spelled differently, and one that is spelled correctly but without a space in between my name. Experian also lists two addresses out of California which I have no association with- I've only resided in California ever since I moved to the United States . Experian also has one contact number that is not mine as well. They failed to fix the problem when I filed the dispute and concluded that the wrong addresses, contact info, and a credit account that I have no association with still belong under my credit.
Consumer complaint received 2024-06-11
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-11
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: Experian Information Solutions Inc. (TX)

I dispute the inquiry listed on my credit report as I did not authorize it. According to 15 U.S.C. 1681, section 602A, I am entitled to privacy rights, and under 15 U.S.C. 1681, section 604A, Section 2, it is clearly stated that a consumer reporting agency can not furnish an account without my explicit written instructions. 

As I did not provide authorization for this inquiry, it is in violation of my privacy rights and the aforementioned statutes. I request that this unauthorized inquiry be promptly removed from my credit report to ensure its accuracy and compliance with federal regulations. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to resolve this dispute in accordance with the law.
Consumer complaint received 2024-06-11
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-07
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. (WA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Consumer complaint received 2024-06-11
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ACCOUNT NUMBER - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I called credit bureaus several times and sent in disputes by mail to remove inaccurate personal information from my credit profiles and have failed each attempt. The addresses and personal information that Im trying to remove from my credit profiles are as a result of fraud and do not pertain to me personally, and I would like that information removed as soon as possible.
Consumer complaint received 2024-08-06
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. (WV)

Description of the Issue : I have several accounts listed on my credit reports from XXXX, XXXX, and Experian that do not belong to me and should be removed immediately. These accounts are inaccurately reported and are impacting my credit score. I have disputed these items with all three credit bureaus, but the inaccuracies remain unresolved. 

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 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 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 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  and should be removed immediately XXXX 




Actions Taken : I filed multiple disputes in 2024 with XXXX, XXXX, and Experian for the above accounts, providing documentation that these accounts are not mine. 
Despite these disputes, the accounts remain on my credit reports, and I have not received a satisfactory resolution from the credit bureaus. 
I have requested that the credit bureaus remove these accounts from my credit reports, as they are incorrect and do not belong to me.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, 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. (TX)

On XX/XX/2023 searching a car loan went to XXXX XXXX services and click on the tool this website which clear states that SEE IF YOU PREQUALIFY WITH NO IMPACT TO YOUR CREDIT. XXXX XXXX did not pre qualify me. Half an hour later I got a phone call from XXXX XXXX XXXX OF XXXX TEXAS, offering me a car ( XXXX ) I said to them that I was not interested and 30 minutes after that call I got alerts from Experian that somebody looked at my credit creating a hard pull. I did not contact this dealership requesting credit from them or authorizing them to ran my credit without my consent I did asked them to remove that inquiry since I did not authorized them to ran my credit. This a clear violation on my rights as consumer and a form of identity theft.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, I was recently made aware of the settlement with XXXX. Nobody contacted me regarding the details of this settlement. Are you able to verify if I am on the list of individuals impacted? I've attached an old XXXX account summary and the settlement case I am referring toXXXX services my student loans now. I had a XXXX account but I think it was deleted once my loans were transferred. I did not have any visibility when this took place. 

How would this settlement impact my current loan status? This also impacted my credit score because I was a victim of a debt consolidation service scam. ( attached contract ). I tried to resolve this issue with the credit bureau however was unsuccessful. 

https : XXXX Any assistance would be greatly appreciated- Thank you!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-09-27
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: GOLDMAN SACHS BANK USA (MI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 



These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2024-06-11
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. (NC)

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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, Virginia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX, Virginia XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I am disputing two accounts as duplicate accounts on my Experian, XXXX and XXXX credit report. 

XXXX XXXX or XXXX XXXX XXXX  account XXXX. 

Also XXXX XXXX XXXX has the same account on my credit as of XX/XX/XXXX. Account XXXX. The original creditor is XXXX XXXX XXXX as a collection account. 

As these are duplicate accounts please remove both. 

. Also, The original account went default in XX/XX/XXXX. A default stays on credit for 5 years from the date of missing first payment. Your lender can not re-register account as per FCRA.
Consumer complaint received 2024-06-11
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)

I'm in disagreement with the account listed below which still appears to be on my credit report XXXX after your investigation .I would like this item RE-INVESTIGATED XXXX inaccurate information is highly injurious to my credit Score. 

XXXX XXXX XXXX XXXX XXXX XXXX  IN ACCORDANCE with the FCRA, public law XXXX Title VI, section XXXX 15 USC 1681, please provide me with the names and business address of each individual with whom you verified the info above so I can follow up.
Consumer complaint received 2024-06-11
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 reviewed my consumer reports and noticed that hat XXXX later payment XXXX on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum.Accuracys I have never XXXX late on payment for the account is XXXX XXXX account number is XXXX investigate and provide proof with statements showing that these payment were late if proof cant be provided I demand these payment be updated to on time as they should be as I was never late. XXXX
Consumer complaint received 2024-08-06
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. (IL)

Dear Consumer Financial Protection Bureau, Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding the lack of action taken on my previous complaints about unauthorized hard inquiries on my credit report. Despite multiple letters requesting the removal of these inquiries, no corrective measures have been implemented. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), I am entitled to dispute inaccurate information and seek its deletion if found to be unverifiable or incorrect. I kindly urge you to enforce these provisions and ensure the immediate removal of these unauthorized hard inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.