davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-29
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 understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I need to provide a copy of my credit report and credit score to a landlord as part of obtaining rental housing. I went to the Transunion site and the XXXX   site. 

I was able to get a copy of my credit report from XXXX XXXX XXXX fairly easily, however, it doesn't contain my credit score, which is required by the landlord. 

In order to get my score, TransUnion requires me to sign up for a {$20.00} / month monitoring service that I don't want ( and only allows me to see my score on screen, I can't download a file to share with anyone ) or to pay {$9.00} for a one-time report in PDF. 

The Transunion Monitoring service sign up process collects my credit card information without ever disclosing the cost of the monitoring service or how I can cancel it - my card was charged {$19.00} before I was aware of the cost of the service. Transunion also does not make clear that the Monitoring Service does not allow a download of a PDF. 

When I called TU customer service - I worked with XXXX # XXXX - he was pleasant to speak with, but clearly was under instructions and training to make it difficult for me to simply get what I needed - my credit report and score - without signing up for paid services. When I cancelled the monitoring service the same day - because I realized that despite paying {$19.00} / month I couldn't simply download a PDF of my score and report. I was still charged for the first month and had to insist multiple times that he actually cancel the account ( he tried to upsell me multiple times ). When I asked to speak to a supervisor, I was told that the supervisor 's systems were all down today and that if I needed to speak to a supervisor, I would have to call back tomorrow. 

the FCRA should be amended to require that all consumers get access for free to BOTH their score and their credit report once a year. It is ridiculous that reporting agencies can get away with only providing the report but not the score.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

It has been brought to my attention that you are not removing items, even when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA. If you choose to not remove the following items listed below which are reporting inaccurately due to inaccurate credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit report data & were opened without my consent or knowledge : Experian XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed {$610.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed {$0.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added here my new FTC report with reference number XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
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. (TX)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the 3 major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable. 

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX, SELF XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 2023-11-09
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. (TN)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



XXXX 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
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. (MS)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ADDRESSES : XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, are all inaccurate. Also, according to 15 USC 1681s-2, 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 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

The XXXX XXXX XXXX submitted an erroneous debt of {$320.00} to the credit bureaus. When I was unemployed, I went to their site and filed for unemployment benefits during the weeks I was unemployed. When I started work, I also went to their site and told them when I started work and claimed my statements were true and correct. 

In addition, the unemployment office contacted my temp agency to verify my start date and the temp agency provided them with an " estimated '' start date and not my " actual '' start date. 

The unemployment claimed they sent me a form to complete and because the form was not submitted back to them timely and my temp agency never provided them feedback, they went ahead and reported this error, untrue and incorrect debt to the credit bureau despite the fact that they have record that I had submitted the form although untimely ; that I sent them correspondence electronically and through the mail about my actual start date being XX/XX/2017 which I claimed online ; and the fact that I claimed my actual date I found work. 

I recently sent their collection agency United Collection Bureau and the XXXX XXXX XXXX XXXX correspondence explaining their error.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a Capital One 360 Saving account since 2008. Today I noticed the interest rate is low to 0.3 % instead of normal APY on the market. So, I contacted with Capital One about this issue and was told that 360 Saving account is discontinued and I needed to open a new 360 Performance Saving to get an higher interest rate. 

The problem is Capital One has never ever contacted with me about this 360 saving account would be discontinous and the interest rate would be getting down in written notice until I, myself, found this issue. Now they treat my normal adult saving account as kids saving account by offering APY 0.3 %, which is 11 times lower than their new 360 Performance Saving account 3.4 %. 

I don't understand why Capital One won't send a letter to their customs about this product will be closed. It is a very easy and friendly way to keep our customers ' attention. 

XXXX.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

Apparently, my XXXX XXXX XXXX issued by Synchrony has been over the credit limit since XX/XX/2018. I had signed up for alerts via email and text yet was never alerted and my account was not blocked. I continued to make payments to the account and to make purchases using the account even though it was over the credit limit. I was finally able to get the alerts today after trying to set them up again for the 8th time. I spoke with customer service and they were no help with this issue. I explained that I had concerns about the fact that the account had been overdrawn for such a long time but not one alert or notice was sent to me. Lenders have responsibilities just the same as borrowers and should be held accountable. This has made the amount of money due to the interest increase on my account. Synchrony informed me that they do not lower their interest rates and that all their customers pay the same rate. XXXX consumers with exorbitant interest rates should never be allowed. I do not believe that statement and feel that the company is having customer service reps lie to clients.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-30
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)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, in which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX IN XX/XX/year>XXXX XXXX XXXX XXXX / XXXX XX/XX/year> want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 168 In ( b ) - Civil liability for willful non-compliance 6. 7.

8. 9. 10.

Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) Method of verification Violations under 15 USC 1681 a ( 4 ) right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue.

Your prompt attention to this matter is greatly appreciated.
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. (FL)

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 XXXX  Account Number XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

REQUEST DEBT VALIDATION In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, the collector must provide me with certain information, including a written verification of the debt, if requested. original contract copy of billing payment statement
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX