davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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)

Section 623 ( a ) ( 6 ). If a furnisher learns that is has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must therafter report only complete and accurate information. The following items has been identified as inaccurate and must be removed 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, as a consumer in the US my rights has been violated, specific to section 16668, 1681a, 6058, 1691i, my credit report maintained by your agency contains inaccurate accounts that are severely impacting my financial standing and reputation. Remove the accounts listed above or I will be forced to take further action, in addition I am requesting a block of information from my credit report. this is not in error or a misrepresentation on my behalf. Please remove within 4 day
Consumer complaint received 2023-12-08
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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. (NM)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (ND)

I explained multiple times that XXXX wasnt billed properly resulting in me owing a balance. They mailed bills to incorrect address because I moved. My house was destroyed twice in hurricane Mathew then Irma resulting in a natural disaster loss of livelihood. I begged to have my dept consolidated and if the company would settle for half of amount owed and they refused to work with me at all. They were rude about debt told me this is a business and we dont settle down on medical, yet had they billed my medical correctly I wouldnt owe this much. Im willing to pay half off in full but the representative is non negotiable! this debt is 4 years old
Consumer complaint received 2024-05-29
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-29
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. (CA)

This company violated fcra 602b identity theft and profiting off of it by reporting negative item on my report without my consent and its causing me stress and hardship its law that to report something on someone credit report the burden on them to assume a but role pursuant to 15 usc 1681 ( a ) ( 3 ) that it must be XXXX accurate and have gotten consent from the consumer I have no consent and if I did I would like to see the Documentation of the XXXX consent forms I sign authorizing it. Violation 15 usc 1681 ( a ) ( 4 ) fcra section 623 ( a ) ( 1 ) ( A ) ,15 usc 1681 ( b ) all item negative reporting XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ne XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ne XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (TN)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-07-30
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 section 602 A. States I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U. S. C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the reports by more then seven years 15 U. S. C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-03
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. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made timely payments on this account, avoiding any overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-05-29
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. (IL)

I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the inaccurate reporting of a charge-off account on my Experian credit report. The account details are as follows : Account Name : XXXX XXXX  Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed. {$810.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance updated on XX/XX/XXXX ) Credit Limit : {$350.00} Highest Balance : {$810.00} Payment History for XX/XX/XXXXXXXX XXXX XXXX  ( Charge-Off ) The balance of this account is {$0.00}, and it is closed, yet it is inaccurately reported as a charge-off. This negatively impacts my credit score. According to the Fair Credit Reporting Act ( FCRA ), all information must be accurate and up-to-date.
Consumer complaint received 2024-05-30
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. (DC)

Why you're reporting incorrect? I always pay on time. Please delete the late payment status in this accounts. It is wrong reporting your violating my right as a consumer. I tried to fixed it so many times. Please update this accounts XXXX XXXX  XXXX. XXXX, XXXX {$8200.00} XXXX - XXXX XXXX XXXX XXXX, XXXX {$34000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$20000.00}
Consumer complaint received 2024-05-30
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. (WI)

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to note that these items were in dispute within 30 days now this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$330.00}
Consumer complaint received 2024-05-29
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. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2019-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have a debt collection reporting on my credit for an account that is not mine. The debt appears to have resulted from a medical account that I did not authorize. I have no knowledge of this debt nor have I given anyone else consent on my behalf.
Consumer complaint received 2024-05-29
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Hey Im a loyal customer at Bank of America my account have been negative for 6 to 7 months Because Another institution filed a wrongful Claim Against my Account They Claim a deposit was fraudulent with they deposit in my account. I contact the other institution to solve the issue Which it no debt with the other institution
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MI)

On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-30
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)

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 Account Name : XXXX Account Name XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2024-07-08
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. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - UNEMPLOYED Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 102XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
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)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-29
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, my name is XXXX XXXX XXXX and I can not seem to fully use all of my credit cards full credit line of {$300.00} plus paid an extra {$25.00} extra and for some reason charged an extra {$10.00} fee out of know wear. My credit card company is Capital One and their phone number is as follows XXXX XXXX XXXX XXXX, and my credit card number is XXXX XXXX XXXX XXXX. Capital one employees stated that my credit card would be ready to use at XXXX XXXX and it was not. Is their some help for me my Social Security Number is as follows XXXX XXXX XXXX.