davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against 3 Credit Bureaus if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance : {$3600.00}.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Dispute of Debt Collection ( Account Number : XXXX ) and Urgent Request for Investigation and Rectification Dear Sir/Madam : I am writing to express my serious concern and dispute regarding a specific, inaccurate collection entry on my consumer report. 

Account Name : XXXX XXXXAccount Number : XXXXAmount Owed : {$540.00} as of XX/XX/2023 I assertively challenge the validity of this debt. On XX/XX/2023, I returned the specified items to a XXXX store in New York. Despite being assured of the proper return process, this debt erroneously appeared on my credit profile. 

This unmerited mark not only jeopardizes my financial reputation but has caused significant emotional distress. I've spent countless hours on the phone, mailed evidence, and painstakingly attempted to rectify this situation, only to face continuous roadblocks and a lack of clarity. 

The stress stemming from this matter has been exacerbated by the looming implications it carries. I've found myself questioning future financial decisions, concerned about potential higher interest rates, and apprehensive about the prospect of being declined for financial products or services due to this unwarranted blemish on my credit profile. Furthermore, this experience has left me feeling violated that despite my genuine efforts and rightful actions, my financial narrative can be inaccurately portrayed. This is not just an errant number or a misreported transaction ; it's a reflection of me that is being inaccurately and unfairly tarnished. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I draw your attention to the following sections : 1681i : Mandates credit reporting agencies, like Experian, to conduct a comprehensive and timely reinvestigation when a consumer disputes information.

1681g : Highlights my right to know every piece of information you have about me, including the sources of that information.

1681j : Ensures that no unwarranted charges are levied against me during this dispute process.

1681s-2 ( a ) : Clearly outlines the duties of furnishers of information to provide accurate data. In this context, XXXX XXXX may have violated this provision. 

My objective is straightforward : I seek an immediate and thorough investigation into this matter. The enclosed receipt unequivocally confirms the return of the XXXX equipment. It is my belief that with this evidence, coupled with the responsibilities of both credit bureaus and information furnishers under the FCRA, this unjustified debt collection entry should be removed expeditiously. 

Any failure or undue delay in addressing my concerns and rectifying this error will not only infringe upon my rights under the FCRA but may also compel me to take legal action to safeguard my interests. 

Please treat this letter with the urgency and seriousness it warrants. 

Enclosed : Receipt of returned XXXX XXXX Internet 5G router and receiver dated XX/XX/2023.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-10-21
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)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with with my signature on it ) that you have on file for account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

This incident occurred today XX/XX/XXXX been roughly XXXX to XXXX XXXX. I was talking to someone on XXXX and we exchanged photos and he was asked for my number to take it to text. He eventually texted me sending multiple threats about exposing me and threatening to send my photos to my family and too post it all over the Internet. I sent the individual who went by XXXX XXXX separate payments the first was over XXXX through the Chase app. For {$300.00} and then an additional {$200.00} then he requested more with more threats so I sent him 2 {$100.00} payments through XXXX XXXX. So a full total of {$700.00}. He continued with the threats and my colleague overheard a lot of what was going on. After hanging up and not answering he has since stopped. When I called Chase customer service they said they will file a claim but they couldnt and wont do anything about it. I called multiple times hoping someone could help but they didnt I was completely scammed and terrified. I asked to escalate the situation but they didnt.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 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 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-08-25
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. (PA)

XXXX and Experian are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I submitted a dispute to Transunion in regards to an axcount on my credit report that is not mine. The investigation took less than 24 hours and i was notified they found the infornation to be corrext. Please tell me how in less than 24 Hours you found this infornation to ve true just how did you come to that conclusion? I reported that a woman named XXXX XXXX has been using my identity. Nothing can connext me to that account. I want ifixed and for Transunuon to do thier jobs coreecrly.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (OR)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX CARD XXXX Balance : {$14000.00} XXXX BANK XXXX XX/XX/2022
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Last year ( XX/XX/XXXX ), I called my student loan servicer -- Edfinancial Services to apply for the Saving on a Valuable Education ( SAVE ) plan. After the call, I trusted that I was successfully enrolled in the SAVE plan as that is what the person said. I also asked if there was anything else I need to do and the person from Edfinancial said that there was nothing else that needs to be done. I thanked the person and hung up the phone. 

After around 9 months ( on XX/XX/XXXX ), I was wondering why the total loan showing on my online account was higher than what I was expecting it to be. So, I called EdFinancial and learned that I was not actually enrolled in the SAVE plan. I would not have found this out had I not called them. They said they called me last year ( on XXXX XXXX, XXXX ) and left a voicemail. I did not receive any voicemail. 

Edfinancial gave me inaccurate information by telling me I was enrolled in the SAVE plan and that there was nothing else that needs to be done on my end. They were also negligent as when they found out that I was not succesfully enrolled in the SAVE plan like they said I was, they made one phone call to try to reach me. They said they left a voicemail but I think that is not true because I did receive a voicemail from them about this. They did not even sent any written communication ( e-mail or mail ) to let me know what is happening.

Because of the untrue information given to me and the negligence of Edfinancial Services, my student loan accrued an interest of around {$4000.00} dollars. That amount would not have accumulated had Edfinancial given me correct information about my enrollment in the SAVE plan or if they been diligent in trying to remedy the situation upon finding out that they made a mistake.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give XXXX XXXX written instructions to make my information public ). 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I request this account to not be reported on my credit report ).

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate.

Remove the late payment or deleted the account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.