davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, I received an alert from Experian that an inquiry, showing XXXX, had been added to my credit report. I became baffled because I had not put in a credit application with this company.and I was paying {$4.00} a month to have my credit locked, I also have an active consumer alert summary that advises creditors to please contact me through sepecific contact instruction to extend credit. Yet, someone by the name, or the name she made up, XXXX XXXX had opened a credit card via XXXX XXXX without my consent. How did Experian allow this when I had taken all the necessary steps to protect myself from Identity Theft? I immediately called Experian and filed a dispute. The address this person used to ship the card to is : XXXX XXXX XXXX, XXXX, GA XXXX and the bogus email address the person provided is : XXXX. None of this information is connected to me in anyway, yet, Experian allowed for XXXX XXXX to open this credit card account in my name? Experian sends alerts every week that my information has been found on The Dark Web and people have access to my important information but doesn't protect me against Identity Theft, and then offer for me to sign up for a Premium Plan, {$29.00} and then they will remove my name and information from the sites that show my information. That is insane. I want real protection against Identity Theft and I shouldn't have to pay for it, to receive it if I've provided proof that I'm a current victim of Identity Theft.
Consumer complaint received 2024-06-04
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. (NY)

Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Synovus Bank (CA)

I had a refund from XXXX XXXX from over the holidays, waited for it until I havent received it yet so called my creditor first progress to see what was going on. They said our refund process is different, it wont go back to the card we would have to mail it. I said okay, and called back a month later after still not receiving it. So I said if its not back to my account or to the address listed then Im closing my account out and filing a lawsuit. Someone called me saying theyre the XXXX, excuse the inconvenience well have it, Ill have it sent right out to you. I said thank you ended the line. Now were in XXXX I tried to use my card and it didnt work, they said my acc is blocked until I mail in copies of my bank statements, social security card and ID. That all of which should be sent to a XXXX XXXX . Im thinking a XXXX XXXX XXXX thats not even more fishy. So I called again today and was disrespected by that rep, asked to get transferred to a supervisor and she really couldnt tell me why it was blocked, just that they needed the information in question for them to unblock my account. Literally its every month I have to call them with something.
Consumer complaint received 2024-06-05
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)

It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently disputed accounts on my credit report that is inaccurate and does not belong to me. The credit bureaus are reporting inaccurate information on my credit report. This company did not thoroughly investigate my dispute ; however, they sent a generated templet that had nothing to do with my complaint. I also requested supporting documents that helped with the resolution. As of today, I have not received any documents. My credit report/score has had a negative impact due to the lack of investigations from the credit bureaus. The inaccurate accounts I deputed is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : XXXX : Date Opened XXXX, Date of Last Activity XXXX Experian : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date of Last Activity XXXX The original creditor is listed as XXXX XXXXXXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, Experian and XXXX have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with XXXX XXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify XXXX, Experian, and XXXX to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent accounts in my file ASAP.
Consumer complaint received 2023-06-08
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: LEXISNEXIS (IL)

I am having the following issues with Lexis Nexis regarding a bankruptcy that they are reporting to the three major credit bureaus : XXXX Per the FCRA 15 USC 1681, they DO NOT have a permissible purpose '' to look into my personal credit file. 
XXXX. They are violating my opt-out notification being affiliated through ownership from the three major credit bureaus. 
XXXX. Courts and PACER DOES NOT furnish any information, so this is essentially aggravated identity theft for pulling my information from a public source then reporting it to the three major credit bureaus, and finally selling it to creditors.
Consumer complaint received 2024-06-05
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 a month ago, 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 30 days 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (PA)

My credit report contains some unrecognizable accounts. Since I am unaware of their existence, these accounts need to be removed. My identity has been stolen. My letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. The following items should be removed, and I respectfully request their removal. Thanks in advance for your assistance.
Consumer complaint received 2024-06-05
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-23
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: William D. Meeker Enterprises, Inc. (MI)

I noticed few inquiries on my credit report I did not authorize about XXXX weeks ago. I called the credit bureaus to dispute them and they told me I had to file an FTC report The first inquiry Id seen was with XXXX XXXX XXXX XXXX inquired XX/XX/year>. Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX. The second inquiry was CIC CREDITXXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX dated XXXX XXXX. I am writing you today in hopes that those can be removed because they were not authorized,
Consumer complaint received 2024-08-20
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)

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-06-05
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3400.00}
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-06-05
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. (NY)

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 2024-06-05
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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received the new credit card FNBO on XX/XX/XXXX. I made two purchases with it on XX/XX/XXXX for my new home. After the second purchase, I was called to verify the purchase due to a concern about fraud. On XX/XX/XXXX I made another purchase with no issue. Later on XX/XX/XXXX, I attempted an {$85.00} veterinarian charge, which was declined. 

After the decline, I called and was given no information other than my account was frozen because fraud was suspected. I was told I would receive a letter describing various documents that would have to be notarized and sent in for the privilege of keeping my account open. I would not have found out about any of this and would have had additional rejected charges if I had not called in. The call center employees were generally very rude, demanding I verify my identify three different times, asking for every detail about every charge I made, while telling me they could divulge nothing to me since I was a suspected criminal. 

I offered to pay off my card right there to prove fraud was not involved. This was rejected. The implication was that they preferred to close my account instead.
Consumer complaint received 2024-06-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (WA)

On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, XXXX XXXX XXXX, XXXX XXXX. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this  XX/XX/XXXX. From Suttell & Hammer, P.S. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

XXXX XX/XX/XXXX XXXX XXXX was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX. 

This collection is not mine, be cause back in XX/XX/XXXXI was the most valuable customer in XX/XX/XXXX XXXX XXXX. Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX