davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding The XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for The XXXX XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with The XXXX XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-10
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)

I have submitted over XXXX letters over XXXX XXXX requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.
Consumer complaint received 2024-09-09
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. (TN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my Experian, XXXX, and XXXX credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disappointed about the fact that I have initiated so many attempts to try and reach out your company about this concern- which none has been resolved so far. I don't know if this is intentionally ignored, but I am more down than I have been the past years because of these inaccuracies affecting my credit scores.
Consumer complaint received 2024-09-10
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. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A 1099 C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " E-OSCAR SYSTEM ''. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-10-06
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issue of late open accounts correction, which I have brought to your attention multiple times without a satisfactory resolution. It is with great frustration that I must escalate this matter in the hope of achieving a prompt and effective resolution. 

I have been a loyal customer of Credit Bureaus for a considerable period, and I have always appreciated the quality of services your company offers. However, my recent experiences have left me disappointed and concerned about the lack of attention to correcting the late open accounts associated with my account. 

I have made several formal requests through phone calls and emails to your customer service department over the past months ago, seeking assistance in rectifying these late open accounts. Despite my efforts and repeated assurances from your representatives that the issue would be resolved promptly, the problem persists. The late open accounts are not only causing significant inconvenience but also negatively impacting my credit history and financial stability. 

I believe in the importance of maintaining a healthy business relationship with Credit Bureaus, but this ongoing problem is testing my patience and trust in your organization. Therefore, I kindly request the following actions to be taken immediately to address this issue : I urge you to prioritize the correction of the late open accounts associated with my account. Please assign a dedicated representative who can work on this matter promptly and provide regular updates on the progress. 

I request full transparency regarding the steps being taken to resolve this issue. I would appreciate a detailed explanation of the root cause of the problem and the specific actions being taken to prevent its recurrence. 

Given the prolonged inconvenience and potential harm to my financial standing, I believe that appropriate compensation is warranted. I kindly request that you consider compensating me for the troubles I have endured. 
I expect better communication from your customer service team. Timely updates and responses to my inquiries are essential to rebuilding my trust in Credit Bureaus. 

I hope that this letter serves as a clear indication of the seriousness of this matter and my commitment to reaching a fair and satisfactory resolution. I believe that Credit Bureaushas the capacity to rectify this issue and restore our business relationship to its previous positive standing. I am asking for your assistance to correct the following late open accounts : XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Consumer complaint received 2024-09-10
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. (TN)

I tried to call and inform EXPERIAN of my data breach and identity theft issues and they didnt have anyone available to assist me with my dispute. I have requested this situation be escalated. According to FCRA 605B 15 USC 1681. You are required to delete all information in four days. I want EXPERIAN to please delete the following information accordingly.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-09
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. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 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 2024-09-09
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 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 2024-09-09
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance Regarding Negative Verbiage on Credit Report Dear CFPB, I am writing to seek your assistance regarding an issue I have encountered with my TransUnion credit report. Recently, I noticed negative verbiage remarks associated with XXXX XXXX XXXX that has adversely affected my creditworthiness. As a result, I have been denied services that I rightfully qualify for. 

I believe this negative information is unjust and does not reflect my true creditworthiness. According to 15 U.S. Code 1681, it is imperative that credit reporting agencies uphold accuracy and fairness in their reporting practices. Inaccurate credit reports can directly impair the efficiency of the banking system and undermine public confidence. 

Given these circumstances, I kindly request your intervention in this matter. If TransUnion is unable to rectify the negative remarks on my credit report, I am formally requesting that XXXX XXXX XXXX be removed from my report, in accordance with the aforementioned law that emphasizes the importance of fair and accurate credit reporting. In the remarks section should also state paid and closed, also my attorney is aware of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely