davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-31
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. (AZ)

I am submitting this follow up with regrads to my response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. Therefore, I am requesting more information regarding the following accounts in question : XXXX XXXX XXXX XXXX Owed : {$550.00} ; XXXX XXXX XXXX XXXX Owed : {$4700.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX  XX/XX/2023 Capital One XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 2024-05-31
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. (MD)

I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX, impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.
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. (GA)

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. 

Account Name : XXXX XXXX  Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 2024-05-31
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX XXXXXXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Consumer complaint received 2024-05-31
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. (TN)

Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (PA)

EdFinancial sent me a letter with my new monthly payment after consolidating my loans under the new income driven repayment I signed up for at StudentAid.gov. They have not updated their monthly payment on their portal, and despite me making my agreed upon monthly payments per the letter, their portal is saying I am behind on my loans and to contact them. I have emailed them 3 times, called countless times, and yet I am unable to reach someone to fix this issue.
Consumer complaint received 2023-08-30
Product: Credit card — Store credit 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: CITIBANK, N.A. (MI)

Was charge a late fee as we didn't receive a bill. contacted the company, paid over the phone and was told it would take XXXX weeks for the late charge to be removed. we're going on 3 months and the late fees are adding up and compounding due to the lack of action to remove the original charge.
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. (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
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. (AL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
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)

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX  my credit score.

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-30
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)

Dear Sir/Madam, My name is XXXX XXXX XXXX and I am an employee at XXXX. I came to the United States in XXXX and worked at Pennsylvania XXXX University before joining XXXX in XX/XX/XXXX. Since arriving in the XXXX, I have maintained a clean credit and spending record. However, I have encountered difficulties in getting approved for a credit card. 
Last year, I applied for a XXXX XXXX credit card, and this year I applied for a XXXX Bank credit card, but both applications were denied. To understand the issue, I obtained my credit reports from XXXX and Experian. 
Upon reviewing the Experian report, I discovered several significant errors. 
Firstly, under personal information, there is a record for someone named XXXX XXXX, which is not a name I have ever used or known. Secondly, there is an address listed as XXXX BLUE XXXX XXXX XXXX, XXXX XXXX, PA XXXX, where I have never lived. Additionally, the birthdate in the system is shown as XXXX, which is incorrect. More troubling is the record of an unpaid collection from XXXX XXXX XXXX XXXX ( Account number XXXX ) for {$160.00}, an account I have no knowledge of or association with. 
In contrast, my XXXX report does not show any such debts or errors. I am confident that the incorrect records in the Experian report are the reason I have been unable to obtain a credit card, significantly impacting my life in the XXXX. I have tried contacting Experian customer service but have been unable to reach them. Therefore, I am reaching out to you for assistance. 
Attached, please find the reports from both Experian and XXXX for your review. 
Thank you very much for your help! 
Sincerely, XXXX
Consumer complaint received 2024-05-31
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)

Please help and assist me with having the credit Bureau correct this inaccurate information, I sent this letter to them and they did not respond " Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX XX/XX/year> Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/year> & XX/XX/year> you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/year> & XX/XX/year> Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to formally lodge a complaint against Experian for failing to respond to my dispute letters concerning errors on my credit report. Despite my diligent efforts to address these inaccuracies, I have yet to receive any acknowledgment or resolution from Experian.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. Additionally, if the disputed information is found to be inaccurate or can not be verified, it must be corrected or deleted promptly. 

XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Please delete it if there is no proper verification given for this account. 

XXXX XXXX  XXXX : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX XXXX XXXX : Account number : XXXX, Unauthorized account reporting. Erase the account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, This account was not authorized by me. It is automatically unverifiable because I have to give purpose for any account reporting. As a result I believe this is reporting in error. Erase the account from my credit report. 

XXXX XXXX : Account number : XXXX, If the credit limit is a fixed amount, why is it showing a higher limit in highest balance if i only have access to a specified credit limit. This is clearly an error. Delete the account. 

XXXX  XXXX : Account number : XXXX, The highest credit limit is reporting inconsistently and inaccurately to each bureau. This is clearly an error that has not been addressed. Delete the account. 

XXXX  : Account number : XXXX, There shouldnt be any late payment on a paid account. Update this on my report. 

XXXXXXXX XXXX XXXX : Account number : XXXX, The balance owed is inaccurate. I believe this account to be unverifiable due to me not having an agreement with this agency. Please delete from my credit report.
Consumer complaint received 2024-05-31
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 was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Ive called EXPERIAN, XXXX, XXXX, once but the one Ive contacted multiple time starting in XX/XX/year> when I was approved for my first credit card in regards to why do I not have a credit score they XXXX answered to give it another month so it can be posted 2 months later called and was told I had to have credit for 6 months then it would automatically post Im at XXXX months now and still nothing Ive looked online and did some research and came to the conclusion that the very first month of me having my own card in my name only I should of had a credit score, Im on not able to work on my credit because of this and am paying a lot on interest for this card and I cant look for any better because I have no credit score what so ever all Im asking is what anyone is able to obtain a credit score thats it I feel for some reason Im being discriminated against for unknown reasons and the runaround and lies are overwhelming.
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. (NY)

Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

They do me fraud in my bank account someone called me to offered me a loan and he enter to my account and do reverse in some payments that I made in the past without my authorization then he promised me that I got my loan and they told me to take all that money out from my account snd buy some money cards and gift cards and when I saw he used all in the same day when I sent all the info of the cards that I buy snd told me that the loan money is going to be deposit by midnight but I didnt see no money in my account I cal this Guy in the morning and told me that they have to use all the cards to deposit the loan I complained and hung up I went to the bank to report snd they do all the adjustments and send money bank to the reverse of my payments but all that money I have to put it back in simple words I was victim of scam and they stole my money and my checking account is overdraft is almost XXXX dollars and I dont have the money to put it back and thats why my checking account is overdraft
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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.