davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a XXXX credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with Experian, Experian added an additional 3 years added to the negative action, and did not remove the action. I have called XXXX several times now, they've indicated that Experian was told to remove the action, it was included in the XXXX  XXXX, and Experian disputed that XXXX told them this information and questioned the veracity of the statement. I am caught in the middle between XXXX informing me that they're telling Experian to drop the negative action on my report, and Experian saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my XXXX attorney to see what, if anything I'm able to have them do to get this negative item off my report.
Consumer complaint received 2024-08-28
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)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

I received a virtual American Express pre-paid gift card from a friend about a year ago. I tried using it this past spring on an XXXX purchase. The order was declined. 

I called the Amex support phone number and followed the instructions to check the card balance by visiting https : //balance.amexgiftcard.com/ and inputting my card 's information. Upon doing so, I received an error. I still receive this error a half a year later. 

I called the Amex support phone number again and made my way through the prompts to speak to a human. While they were able to confirm the balance of the card, they were not much help. They suggested that I try using the card number ( I don't have a physical card, just the card info ) at another vendor. 

I made a few more calls back to the Amex support chat to see if I could get a human that had more or better information. The only other suggestion I received was to try using it at a physical location ( hard to do when you just have the card information and not a physical card ). 

I did some reading online and found many people were having the same issue using their pre-paid cards. Some had success adding the card to their virtual wallet first and then using it ( mostly XXXX wallet ). I added the card to my virtual wallet ( XXXX XXXX ) and tried making a purchase. That also was declined. 

About a half a year later, I tried again to add funds to my XXXX account. That was also declined. I called the AMEX support line ( XXXX ), which confirmed the balance was all there again and noted that my recent transaction with XXXX was declined. This time there was no option to talk to a human. The only helpful prompt was a recording on how to make online purchases. The recording mentioned that some vendors XXXX decline the payment as pre-paid cards do not have an address associated with them. The recording 's recommendation was to reach out to the vendor. 

So that is what I did, I contacted XXXX. After some digging, the XXXX representative was able to determine that the transaction declined from the AMEX side and not the XXXX side.
Consumer complaint received 2024-08-28
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. (TX)

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 2024-08-28
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}
Consumer complaint received 2024-08-28
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)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXX XXXX XXXX XXXX Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-08-28
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)

Complaint Reason : Unauthorized Accounts, Account Reinsertion, and Consumer Rights Violations I have identified unauthorized fraud accounts on my credit report. Furthermore, an account that was previously blocked and removed has been reinserted into my report. Despite submitting a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take the necessary corrective actions. This neglect violates both federal and California consumer protection laws.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
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)

Experian absolutely insists the information they have on my credit report is correct even after I submitted documents showing my actual identity. My credit report states that I live in a city I have never been to before with a last name I never had and a bunch of loans and credit cards I never applied for. Even my social security number is wrong!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In the 2nd to XXXX XXXX XXXX XXXXXXXX I contacted the CFPB because experian Has inaccuracies on my credit report reguarding XXXXXXXX XXXX  which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Consumer complaint received 2024-08-28
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 remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the debt collector claiming a debt against my person from XXXXXXXX XXXX XXXX  a predatory faux bank that is probably dissolved by the time you read this. 

XXXX XXXX called. She was on a recorded line. She was also being coached by her manager who just couldn't allow me to get all the information needed to request a verification letter. He had to jump into the middle of our call to denigrate me in hopes that I would forget reason and pull out a credit card jedi mind trick style. I Repeatedly attempted to have them send the verification of the debt by mail, they said they would show me right now, I am not near a computer and have the right to request by mail.

Therefore I refused this offer and requested it again by mail. They claimed they already sent it which I once again made clear I wouldn't have opened any mail I don't expect to come as the level of junk in mail has made the use of the service feel dirty in general. I asked again politely to send via mail.

They refused to do so and the manager of the girl who was very nice and answering my questions took fully over the call and started saying ignorant mockery of my character. " sounds like you aren't ready to pay this debt. '' XXXX XXXX XXXX  I do not even know who you are or what this is or anything. Could be a scam. 

Then he says " sounds like you just don't have the money to pay. '' At this point I asked for no further contact via phone at all and all future contact be via mail and hung up because you aren't going to call me in the middle of my work day and disrespect my value. 

XXXX Midland Credit Management in their XXXX. 
XXXX anyone who spends any time trying to spread gross hatred of anybody instead of love and liberty and the pursuit of a noble life. 
XXXX managers taking over perfectly acceptable calls of agents because their ego can't handle a strong man leading the call. Whatever your name was sir, you are a XXXX XXXX XXXX XXXX  and deserve nothing lovely in this life. Amen.
Consumer complaint received 2024-08-28
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 was completely taken aback when I found inaccurate accounts on my credit report this morning, and Im at a loss as to why theyre there. I check my credit report regularly, and its always been fine, but today there were errors that seemed to come out of nowhere. I even tried refreshing the browser, hoping it was just a mistake, but the inaccuracies persisted. Im now requesting that the documents Ive submitted be carefully reviewed to prevent this from ever happening again.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-11-24
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. (AL)

My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX XXXX balance as of XX/XX/2022 XXXX XXXX XXXX loan XXXX reported balance as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX this was the start of my credit being acted by an outside entity )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-05
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-08-28
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. (TX)

I recently submitted disputes to this company in regards to fraudulent accounts and inquiries on my credit report. I have submitted a complaint as well that they have not responded to. I called in today XX/XX/year>, I also called XX/XX/year> and XX/XX/year> about fraudulent inquiries that still have not been removed. This company stated that they can not remove the inquiries because it is associated with a account that is on my report. I contacted the creditor and they have stated that they inquiries that I stated are in no way associated with their company and that they only had one hard pull as was requested of me when I applied. This company has refused to block the inquiries and refused to investigate the issue as well. I believe that they are still continuing to purposefully violate my rights.
Consumer complaint received 2024-08-28
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. (PA)

This morning has left me both disappointed and confused as I noticed unauthorized inquiries on my credit report, with no clear reason for their presence. I checked my report as I normally do, but this time there were discrepancies that I couldnt explain. Even after refreshing my browser, nothing changed. Im asking for a detailed review of the documents Ive sent so I can stop worrying about this.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently review a copy of my Experian credit report, there are fraudulent accounts in it, I believe I'm a victim of XXXX XXXX and identity theft. I'm writing to request all fraudulent accounts in my report be removed immediately!