davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (MN)

Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681n Dear EXPERIAN, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681n. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report.

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent. 

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report.

4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report.

Under 15 U.S.C. 1681n, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees.

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences.

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent. 

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report. 

If these issues are not addressed within 30 days of receipt of this letter, I will pursue all available legal remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (CA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-11
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. (TX)

I disagree with the accounts which still appear to be reporting inaccurate on my credit after requesting validation and or update. I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score In accordance with the Fair Credit Reporting Act and Public Laws listed. Please provide the names and business addresses of each individual with whom you verify the information, so that I may follow up. Please send me an update copy of my credit report after your investigation has been completed.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2023 received notification from credit monitoring agency that a new collection in the amount of XXXX to Resurgenct Capital Services. The amount owed to XXXX was submitted and paid on the same day. I have also sent an email to the company requesting they review as payment was made to XXXX not the collection agency. I also requested that the debt be removed from the credit report because it is now showing as inaccurate as the account has been paid and closed per creditor.
Consumer complaint received 2024-07-11
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. (NY)

This account was opened on the following data XXXX in XXXX and XX/XX/XXXX in Experian..this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian ... .this is wrond this inaccurate obtain credit XX/XX/XXXXfailed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XX/XX/XXXXXXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Consumer complaint received 2024-07-11
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. (NV)

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-11
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. (NY)

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian..And XXXX XXXXthis is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX  XXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

I was told on multiple occasions the charge for two flights on this credit card would be credited to my account, since we were unable to fly due to being XXXX positive. On my last complaint I received a call asking if I was ok with them crediting me for the flight off of my credit card. They still have NOT processed the credit. This is borderline fraudulent now, since they have agreed at least twice now to take the charge off of my card. However as of today, I still have a $ XXXX balance for something that didn't take place and that I called to canceled before the flight.
Consumer complaint received 2024-07-11
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. (NV)

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( XXXX XXXX Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with Transunion and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that XXXX has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since XXXX XXXX has not generated XXXX for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think XXXX XXXX is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.
Consumer complaint received 2024-07-11
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 recently investigated my credit report and discovered multiple inaccuracies. According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to ensure maximum accuracy in their reports. Furthermore, under 15 U.S. Code 1691i ( 5 ) ( A ), if any disputed information is found to be inaccurate or unverifiable after reinvestigation, the agency must promptly delete or correct it and inform the provider.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coulter Dove & Harris, PC (VA)

While in XXXX taking care of my mom and sister, The Luftus firm filled an unlawful retainer in XXXX XXXX XXXX General District court ( note, this was filled XX/XX/XXXX and we vacated the premises the weekend before XXXX ). I called and explained my situation to the court who rescheduled but I was not notified. As a result, I was not there and the XXXX group won by default. 

Later, they filled a garnishment of my wages. I had informed them earlier that I did not owe the money I was being taken to court for but received no response. Proof was provided to the XXXX group as well as the XXXX Districts courts garnishment hearing. As a result, I won and had the garnishment lifted. 

I have since applied several times to have the original judgement vacated and a new hearing but was denied each time with no explanation. 

I have proved I do not owe this money but the XXXX ignores the facts and hides behind the incorrect judgement to take money not belonging to them with the General District court in XXXX, VA not willing to correct this injustice and look at the facts. 

Thank you, XXXX, cc. CFPB, XXXX, The XXXX
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting an severely investigation 15U.S.C 1681c upon XXXX XXXX with an Account that is paid in full from XXXX that is still reporting inaccuracies on my Experian credit report .other Credit reports does not obtain this XXXX XXXXXXXX from XXXX on my credit report .I also reached to XXXX  XXXX during to the data breachi was not nofited or contacted ... it is unlawful change in deliquency dates, misreported active payment history showing repeated c/o showing close accounts ..Due to statue of Limitation i would like to have XXXX XXXXXXXX from XXXX Removed off my credit report It's afftecting my ability to get credit /Obtain a Home
Consumer complaint received 2024-07-11
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. (CA)

I am writing to bring to your attention some inaccuracies on my credit report. During a recent review, I found late payments incorrectly recorded on my account. I kindly ask for your prompt assistance in correcting or removing this information from my report.It is essential to maintain an accurate credit history, and these late payments do not accurately reflect my financial responsibility. I believe this is an error and request your immediate intervention to correct it. I also spoke with the companies by phone, and they confirmed the need to fix this. 

Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
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. (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 XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (NY)

Unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (CO)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX