davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (MD)

I am writing to formally dispute your recent investigation results regarding the inaccurate information on my Experian credit file. Your response indicated that Experian verified the account from XXXX XXXX XXXX as belonging to me. This assertion is demonstrably false and raises serious concerns about the integrity and thoroughness of your investigation. I previously provided the last four digits of my Social Security number to assist in locating my credit file, and I specified that the account in question does not belong to me. Despite my efforts and clear communication, your investigation failed to accurately address my concerns. Furthermore, I sent a debt validation letter directly to XXXX XXXX XXXX, to which they did not respond. Consequently, this fraudulent account has been removed from all three major credit bureaus, including Experian. The removal of this account by XXXX XXXX XXXX clearly indicates that the account was not valid. Given this fact, it is perplexing and troubling that Experian claims to have verified the validity of this account. It appears that your investigation did not take into account the comprehensive evidence I provided, nor did it adhere to the standards set forth by the Fair Credit Reporting Act ( FCRA ). Specifically, 15 USC 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies. By failing to remove this erroneous account from my credit report, Experian is in direct violation of this statute. Moreover, XXXX 's actionsor lack thereofconstitute a willful noncompliance with the FCRA, as outlined in 15 USC 1681n. This statute provides for civil liability for willful noncompliance, allowing affected consumers to seek actual damages, punitive damages, and attorney 's fees. Therefore, I am prepared to pursue litigation to hold Experian accountable for these violations and seek {$1000.00} per infraction as stipulated by law. In light of these violations and the distress and financial harm caused by your negligent handling of my dispute, I am formally demanding compensation of {$1000.00} for this violation, as provided under 15 USC 1681n. Please be advised that I am giving Experian one final opportunity to rectify this situation and compensate me for this violation. I demand the immediate and permanent removal of the XXXX XXXX XXXX account from my credit report and the payment of {$1000.00} for your failure to comply with the FCRA. Failure to comply will result in my taking legal action to enforce my rights under the FCRA and seek additional compensation for the harm caused.
Consumer complaint received 2024-06-10
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. (FL)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings (GA)

I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general manager XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like XXXX '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and TWO messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.
Consumer complaint received 2024-06-10
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. (NJ)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, XXXX, to notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response.
Consumer complaint received 2024-06-10
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. (FL)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (VA)

On XX/XX/year> and on XX/XX/year> I have submitted and resubmitted letters requesting proof of verification of a bankruptcy listed on my Experian credit report under my public records. As of today, it has been beyond 60 days and I have not received any verbal or physical notice of proof of verification of this bankruptcy. I have reached out to the XXXX Bankruptcy Courts to ask how verification of bankruptcy is verified by them. I received a response in regards to the courts providing that bankruptcy is not verified by them directly to any credit bureau. That information was passed along to XXXX, after their investigation with their source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX it was determined : data being reported as unverifiable. After XXXX investigation the information has been removed from their records. That information within a letter form has been passed along to Experian for update on credit report, and no action has been taken place.
Consumer complaint received 2024-06-10
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. (ME)

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXXXXXX XXXX XXXX. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Consumer complaint received 2024-06-10
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. (FL)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
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. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-10
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 2024-06-10
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. (TX)

Despite my prior multiple attempts to address this issue, the incorrect opening date remain unresolved. The incorrect opening date listed for my account have caused significant inconvenience and potentially impacted my financial standing. It is imperative that this discrepancy is corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening date and any other supporting materials. Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening date on my accounts to reflect the accurate date. Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. Confirm in writing that the correction have been made to my account. I understand that resolving such matters can be complex, but the prolonged delay in addressing this inaccuracy is unacceptable. Please provide regular update on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXXXXXX  Balance Owed : {$3200.00}.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX BANK ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX NA XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2024-06-10
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)

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