davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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 lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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.
Consumer complaint received 2024-09-12
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. (AZ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-12
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-09-12
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (SC)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2024-09-12
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. (AZ)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/XXXX, I received paperwork from my employer that my wages were going to be garnished by Midland Funding, LLC represented by XXXX XXXX XXXX XXXX. The paperwork showed the date of judgement as XX/XX/XXXX for {$970.00} and with interest and fees it totaled {$3000.00}. I spoke with the clerk of courts office in my county and they said that I was never served but my employer was served. I have NEVER heard of this company and there is nothing on my credit report showing any of my accounts in default. On XX/XX/XXXX XXXX XXXX I checked my online payroll and the garnishment had already been partially taken out, I was given no time to dispute this claim. I believe, according to TN, the statute of limitation on a judgement is 10 years and they have no right to pursue this debt anymore.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (MI)

Dear CFPB I am writing to dispute two unauthorized hard inquiries on my XXXX credit report, which are violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The companies responsible for these inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I did not provide permission or authorization for these companies to access my credit report. Under the FCRA, only authorized inquiries are permissible, and I request that these be removed from my credit report immediately.

Please take the necessary action to correct this violation.

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I received my IRS refund deposited into my Bethpage Federal Credit Union account on XX/XX/year> in the amount of {$5400.00}. Within the same day withdrawals were made in the amounts of {$2600.00} and {$66.00} at a " shared branch XXXX '' as shown on the statement. It was not explained to me what a " shared branch '' is? I was never reimbursed by Bethpage Federal Credit Union for the amounts taken out against my refund. It appears that my federal refund was stolen.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was sent an email notification that stated " We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. Please call us as soon as you can at the number on the back of your card or at XXXX ( XXXX ), so we can clear things up for you right away. '' At the beginning of the call I answered all the standard verification questions. The support representative added that they were sending a code via text and I would need to repeat it once received. I explained that would not be possible, due to the fact that I am visually impaired ( macular degeneration ), and asked if the code could be sent to my email listed in the account. After being told no and few holds later the rep said they could email a link to upload a front/back scan of my ID. No small task for a person with low vision, but managed it. A few days later they reached out to say the scan needed to be resent because it looked like it was blacked out or cut off on the back side ( all XXXX  XXXX 's have a swipe strip on the backside top ). I expressed that the ID would look the same and urged them to find a different method of verification. The agent declared there was no other way so, I requested the $ XXXX change reward credit be sent to the address on file and the account closed. I was informed without proper verification the credit could not be sent, but she could close the account. Out of sheer frustration, I instructed them to keep the money and close the account. My daughter wanted to see if she could help and made a three way call. We spent over forty minutes on the phone with an agent and were unable to get any further. He requested an exception because of my situation and I was told someone would be calling the following day to let me know if it was approved. No call, but I received a letter a couple of weeks later asking for me to send a scan of my ID. I still have no clue if the account is indeed closed. I am still receiving statements and account info by mail.
Consumer complaint received 2024-09-19
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)

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a collections account on my credit report that I do not recognize and did notauthorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 25 inquiries I did not authorize or make : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc. (TX)

On XX/XX/2023 I recieved a phone call from XXXX. I researched the phone number and found it went to Amsher Collection Agency. I know I owe no funds to anyone so I called out of curiosity. I spoke to an unknown woman who immediately wanted the last 4 of my SSN and date of birth. I did not give it to her and basically called her out. She told me I was full of XXXX. I disconnected the call and called back with XXXX answering. Again she wanted the last 4 and DOB. I did not give it to her, requested to speak to a supervisor and XXXX came on the phone. He also wanted the last 4 of my SSN and DOB, again I did not give it to him. I informed him to cease and desist all further communications. I was hoping to actually get information on what this was regarding so I called again. I spoke with XXXX who wanted to the same information. I did not give it to her but informed her that I am knowledgeable about the FDCPA and she legally had to identify the name and address of the collection agency and who they represented. She told me not to tell her how to do her job. I informed her also to cease and desist. She then resorted to wanting my address. I gave her the numerical value of my house but not the street name. I provided all the town and city names I've live in for the past 30 years. She told me I was incorrect. I called one more time requesting to speak to a supervisor other than XXXX. I was transferred to XXXX again after more back and forth I told him to cease and desist any further communications. He said he would continue to call me. I disconnected the call.
Consumer complaint received 2024-09-12
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Unauthorized Use of Personal Information by Experian Dear CFPB, I am writing to formally file a complaint against Experian regarding the unauthorized use of my personal information, which has led to identity theft. 

My personal information has been utilized by Experian without my consent. This situation is not only distressing but also a violation of my rights as a consumer. 

I have also contacted Experian directly to resolve this matter, but I am still facing challenges regarding the unauthorized use of my personal information. 

I request that the CFPB investigate this matter and assist in ensuring that my rights are protected. I also urge you to hold Experian accountable for their actions and help facilitate the removal of improper use of my name that's listed on my consumer report. Also removal of the address listed above thata not tied to any of my accounts. Also if they send me an email about not removing it I will screenshot it and send it directly to the CFPB email address. 

Thank you for your attention to this serious matter. 

Sincerely, IVE TRIED TO FIX THIS PROBLEM THE LAST 2 MONTH AND NO RESOLUTION
Consumer complaint received 2024-09-12
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. (TN)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 


Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document DOES NOT constitute verification. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. whats attatchedXXXX XXXX complaint your " proof '' Dispute Letter.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (NJ)

On XX/XX/XXXX a consumer reporting agency named Checkr was contracted by a company known as XXXX XXXX XXXX - doing business as : XXXX! ... a ride share company! Checkr reported adverse information that was MORE THAN SEVEN YEARS OLD ... in fact it is a FIFTEEN YEAR OLD ( XXXX ) felony conviction for XXXX possession - which has ultimately caused my application to be rejected and my hiring for the position of driver/independent contractor to be denied!!! EVERY SINGLE THING ELSE - was clean & cleared on Checkrs report that they submitted to XXXX XXXX XXXX!!!!
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.
Consumer complaint received 2024-09-12
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. (IL)

Consumer : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 

This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( 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 ; XXXX XXXX has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( XXXX XXXX ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED CREDIT XXXXXXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Consumer complaint received 2024-09-12
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)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.