davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-28
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. (MO)

XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (CA)

In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-17
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. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-28
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. (MN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-17
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)

im requesting an investigation into my case as this is a serious matter, im a victim of identity theft and credit was obtained without my authorization. this amount in the amount of XXXX from XXXX XXXX XXXX  WAS NOT ISSUED BY ME. 15 USC 1681c deals with the types of information that can be included in a credit report and It also specifies that outdated or incorrect information should be removed. i have contacted these companies and gotten no resolution.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-09-17
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. (MA)

I have requested for the creditor to remove the information as it is fraudlent this was back in the beginig of XXXX  they still reported it with out sending me any notification they are putting this account on me with out any investigation nothing and they are sending notification to the credit agency this is accurate when I called the creditor never goes to a live agent asked for a call back nothing ecough is enough please help me!!!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX Balance Owed : {$76.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$460.00}, XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$430.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Let me get to the point, I have notified you countless times of the errors on my credit report but to no avail, my repeated requests to have these deleted on my credit is ignored/disregarded which is a clear violation of my rights as a consumer. Your continued reporting of false and inaccurate information on my credit has negatively impacted all aspects of my life, I'm having a hard time securing new credit applications because of your negligence, this is really frustrating.
Consumer complaint received 2024-09-17
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. (NC)

On XX/XX/XXXX I submitted a complaint that still have not been resolved. Below is the original complaint message : I have recently reviewed my credit profile and seen some inaccurate information. XXXX XXXX of XXXX  is claiming that I owe XXXX. I recently tried disputing with Experian and XXXX this past XXXX but they gave a response stating that the information was correct. The FCRA law of accuracy states that It is the credit reporting agency 's responsibility to report only true information it also says, the reported information should reflect MAXIMUM accuracy. Also, the collection is in breach of the XXXX XXXX statute of limitation which is 3 years. This account has been closed since XX/XX/XXXX which is 5 years.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I 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, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (TX)

I opened high interest online savings account in XX/XX/2020 in mid XXXX they closed it without reason or given explanation. I'm told that they will mail me a check after 60 days which means XX/XX/XXXX-XX/XX/2020 which is ridicules. This is my hard earned saving XXXX and now I don't even have access to it. Please help.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX number : XXXX. Tag Number : XXXX XXXX XXXX : XXXX Repossess in XXXX. The police was called and the XXXX reviewed another vehicle information instead of mines. The tow employee switched the information when I approached. This incident happened in front of my drive.The address is XXXX XXXX XXXX XXXX, XXXX XXXX. The officer gave me three tickets and I was not driving my vehicle.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my credit report with Transunion, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX on XXXX XXXX clearly not 30 days late.I sent a letter to transunion by certified mail threw the postal service, i sent a copy of the western union payment, and the receipt from the currency exchange where i purchased it.I have copies of everything, and they still refuse to remove the late payment for XXXX from my transunion credit report, my payment is {$380.00} a month, on the XXXX of each month, im requesting transunion remove this error from my credit report. Thank you
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

the company named, Oliver adjustment company is claiming i owe them {$520.00}, FOR A MEDICAL BILL, i have never did business with this company or owe them anything, i sent them letters on XXXX XXXX, and also on XXXX, i demanded that the validation i request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, i am requesting competent evidence that i had some contractual obligation in relation to this bill.i sent them letters by certified mail on both days and so far received no response, this debt shows on my XXXX credit report as a collection, im requesting this be removed from my credit report.
Consumer complaint received 2024-10-04
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On my credit report with Equifax, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX on XXXX XXXX, clearly not 30 days late.I sent a letter to Equifax by certified mail threw the postal service, i sent a copy of the XXXX XXXX payment and the receipt from the currency exchange where i purchased it.I have copies of everything, and they still refuse to remove the late payment for XXXX from my Eqifax credit report, my payment is {$380.00} a month, on the XXXX of each month, im requesting Eqifax remove this error from my credit report. Thank you.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

on my credit report with Experian, XXXX, and XXXX, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX, on XXXX XXXX, clearly not 30 days late, i sent letters to the three cedit bureaus, by certified mail threw the postal service.i sent each one a copy of the XXXX XXXX payment, and the receipt from the XXXX exchange where i purchased it, i have copies of everything, and they still refuse to remove the late payment for XXXX, from my credit reports, my payment was {$380.00}, a month, on the XXXX of each month
Consumer complaint received 2024-09-17
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. (MI)

I need your help with this false account showing up on my credit report. Its impacting my reputation, and I depend on your assistance to resolve this. Due to your errors, my credit standing has been severely affected. You have to correct the wrong details on my report.
Consumer complaint received 2024-10-28
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.
Consumer complaint received 2024-10-28
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 have called Experian almost 7 times in the last 5 months to have them remove a bogus mortgage loan off of my credit report. They are showing a mortgage loan for " XXXX XXXX XXXX XXXX '' which is only available to residents of North Carolina. I have lived in Florida since 1978 so it's not possible for that to be my mortgage loan. 

This error has caused me to be unable to purchase a property in Florida for me and my children and is no doubt doing harm to my credit profile.
Consumer complaint received 2024-10-28
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A SECTION : 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 than the 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 2024-10-28
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)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.