davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (IN)

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 Balance : {$0.00} XXXX XXXXE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
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. (TX)

I am writing regarding unauthorized accounts on my consumer report linked to identity theft. These accounts were included without my written consent or wet signature. Having recently contacted your organization about this issue, I now formally demand the immediate blocking and removal of these accounts from my report. Their incorrect inclusion has resulted in considerable emotional and financial hardship by misrepresenting my credit history and obligations. Should this matter not be properly resolved, I will not hesitate to pursue legal action to defend my rights and seek redress. These fraudulent entries have obstructed my ability to reach crucial financial milestones, including home ownership and providing for my family 's needs.
Consumer complaint received 2024-09-05
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. (WY)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

154 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 my 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 2023-10-30
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)

Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my identity that are currently appearing on my credit report. The details of the disputed accounts are as follows : Account Name : XXXX XXXX XXXX Account Numbers : * Account number XXXX ... 
* Account number XXXX ... 
* Account number XXXX ... 
* Recent Balances : * {$560.00} as of XX/XX/2023 * {$450.00} as of XX/XX/2023 * {$1500.00} as of XX/XX/2023 * Date Opened : XX/XX/2023 * Status : Collection account. {$560.00}, {$450.00}, and {$1500.00} past due as of XX/XX/2023, respectively. 
I am contesting these collection accounts based on the grounds that my personal belongings, which included documents containing my identity, were unlawfully taken from my car. It is my understanding that under the provisions outlined in 15 U.S. Code 1681c2, any information resulting from identity theft must be promptly blocked by the consumer reporting agency. 
Therefore, I formally request that these negative accounts, for which I have no affiliation or contractual agreement, be expeditiously removed from all three major credit bureaus. I want to emphasize that I have not authorized the inclusion of any information on my credit report that is unrelated to my financial history or identity. 
I believe that these collection accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any information resulting from identity theft. I kindly request your immediate attention to this matter and the deletion of these accounts from my credit history. 
I expect a thorough investigation into this dispute and request that you provide me with written confirmation of the removal of these accounts from my credit report within the legally stipulated time frame. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost care and professionalism. Please do not hesitate to contact me if you require any additional information or documentation to support my claim. 
In addition, I assert that the cease and desist process can be appropriately used to address credit report issues arising from identity theft. Section 611 of the Fair Credit Reporting Act ( FCRA ) explicitly grants consumers the right to challenge the completeness or accuracy of information within their credit files with consumer reporting agencies. Furthermore, Section 623 of the FCRA establishes potential liability for those who willfully fail to comply with its requirements, offering remedies that can include actual damages suffered as a result of such failures or statutory damages ranging from {$100.00} to {$1000.00}. This underscores the importance of a thorough and expedited resolution to my dispute.
Consumer complaint received 2024-09-05
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. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : US DEPT ED XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
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. (OR)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 2024-09-05
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. (TX)

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. 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 has violated my rights. 

15 U.S.C 1681 Section 602A. 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 an 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 items 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 2024-09-05
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. (CA)

I had contacted Experian in a letter sometime at the end of last year XXXX. 
I asked that if I have the Bankruptcy on my credit report, it always states that if you have rebuilt your credit, and everything is good and if you are getting close to the 10 years of it on your record, they could remove it due to your credit history. 

My credit is good, and I only have 8 more months to go and asked if it could be removed. Well I am still waiting and have no answer. 

This proves that people can become over burden with debt and mine was due to XXXX expense. 

I feel as good as my credit is now, would 8 months be that concerning for them not to remove it?????
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX XXXX reported me as being late to Experian on a loan I had taken out in XXXX of XXXX. The report simply stated that I was past due XXXX dollars without giving any other account information. This reporting was erroneous, as I had previously paid the past due amount earlier in the month. The account was paid off on XX/XX/XXXX. I promptly submitted a dispute with Experian in XXXX of XXXX. Within several days the dispute results returned as verified. Between the periods of XXXX XX/XX/XXXX, XXXX continued to report me late to Experian , despite the account being paid off and closed. During this time period, 13 different disputes were made with Experian regarding this issue. In each instance, Experian " verified '' the information without making any necessary adjustments. In one instance, Experian " verified '' the information and sent me the results within 15 minutes. It is unclear how a proper investigation could be conducted in a period of 15 minutes. 
During the period of XXXX XX/XX/XXXX, multiple certified letters were sent to both Experian and XXXX regarding this account. The letters clearly stated that I was disputing the accuracy of this reporting based on the account being paid off, and it being continually reported as late. Each correspondence was received, as I received a return receipt for each letter sent. Additionally, I spoke to several employees at Experian who stated to me they were continuing to receive updates from XXXX that the account was late. Also, XXXX sent me several " escalation '' emails that did not address my issue, but instead, simply stated my requests were denied. After a complaint iwth the CFPB in XXXX of XXXX, Experian updated the account to paid. However, the account is still showing as past due and paid off at the same time, and remains a " derrogatory '' item in Experians reporting system.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (NC)

Disputed item on credit report with submitted identity theft report, consumer statement, drivers license, and social security card as proof of address and identity. Company did not fix error on my report. Previous disputed XX/XX/year>XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 2024-09-05
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. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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)

For few months now I have reached out to the bureaus and to the mortgage company for the XXXX time XXXX day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under induced medical comma in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have XXXX debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the XXXX time XXXX day late from XXXX of XXXX Please as a good faith, as XXXX time curtesy please remove the XXXX time XXXX day late, again this would have never happened if I was not in a comma. Thank you
Consumer complaint received 2019-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (TN)

Hello, On XX/XX/2019 we received several phone calls around XXXX XXXX ( total 5 phone calls in 15 minutes ) from the toll free phone number : XXXX to our home phone. The caller introduced herself that she is from the SunTrust Bank Fraud department. She stated that for two days there were multiple transactions attempted from our personal checking account to transfer money : traveler 's check or Money order for over {$4000.00} USD. She spoke with a heavy XXXX XXXX accent. She asked me for my SSN number but repeated it back wrong ( twice ), then she asked for my first and last name " to access my account. '' What stopped me from giving my name is the fact that the lady gave me the wrong card number and could not repeat my SSN that I gave her twice over the phone. I refused to give her my name and the lady became very angry with me. I told her that I am not comfortable to provide any other personal information and hung up on her. Afterwards, I immediately called the SunTrust bank and spoke with the representative name XXXX that confirmed the SunTrust does not use this number for phone calls to the clients.
Consumer complaint received 2024-07-26
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-05
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$7000.00}
Consumer complaint received 2024-09-05
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint personally to address late payments appearing on my credit record. Upon review, I discovered these late payment entries. I sent correspondence about this issue over XXXX  days ago but have received no response, nor satisfactory validation. I request your help in resolving this matter swiftly and effectively.
Consumer complaint received 2024-09-05
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. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-05
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
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. (AR)

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 None of these account belong to me please remove from my credit report immediately!! thank you