davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Employer - XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.
Consumer complaint received 2024-07-09
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. (KY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-10-06
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XX/XX/2018 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.
Consumer complaint received 2024-07-09
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)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX - You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2024-07-10
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)

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: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (SC)

In XXXX of this year, I filed a complaint with you about this company XXXX Harris & Harris , LTD . I thought the issue was resolved ( closed on XX/XX/2024 ), but they have started calling and texting me again. I do not owe, and they are harassing me. 
This complaint is same as before : I have been contacted by phone and text about debt that isn't mine. The mobile number they called me on is also a number I use as a state government employee.
Consumer complaint received 2024-07-09
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. (MD)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-10-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MD)

This company has violated my consumer rights and continue to attempt to collect on a debt by reporting it to my consumer credit report, when I do not owe any debt to this company or the original creditor and the statue of limitation is past XXXX years to collect on this debt. Regardless if they are a third party, the same statue of limitation applies. The clock does not restart when the debt is transfer or sold to another collection agency. These are the following consumer laws I know they are violating for sure : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), not been given a chance to dispute an account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-07-09
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. (MO)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX  Account XXXX My data was affected by the XXXX XXXX breach, resulting XXXX numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Indie Technology DBA Found (MD)

On XX/XX/year> I was contacted by FOUND XXXX from the toll-free number listed online and from the back of my business card, advising me of fraudulent activity. They provided information to me first and then proceeded to verify I was the owner of the account. IMMEDIATELY after verifying my information and receiving text alerts from FOUND XXXX, approximately {$4500.00} was stolen from my account while on the phone with their care department. My call records and text records show that all correspondence was with this business and I have noticed several online complaints stating the same actions have happened to others. A few days following the call, I reached out to FOUND, only to be advised their fraud department does not speak with clients directly and I would be contacted via email. Following their reported investigation and several emails with " XXXX XXXX '' and " XXXX XXXX '', they stated I was responsible for the drafts which emptied my account and provided very vague details of their investigation. In addition, tax documents for my business are also lost.
Consumer complaint received 2024-07-09
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. (IL)

Dear CFPB, I am writing to file a formal complaint against Experian, a consumer credit reporting agency, for failing to respond adequately to my repeated requests for the verification of several items on my credit report. Despite sending XXXX written requests to Experian, I have not received the required documentation or a satisfactory response regarding the verification of the disputed items. 

According to the Fair Credit Reporting Act ( FCRA ), Experian is obligated to provide original creditor documentation to verify that the information on my credit report is accurate and belongs to me. However, Experian has failed to comply with the requirements under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) by not providing any original documentation with my signature. Furthermore, Experian has not provided the method of verification as required under Section 611 ( a ) ( 7 ). 

I have outlined the disputed accounts in my previous correspondence with Experian : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX  XXXX ) : Account number : XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX XXXX | XX/XX/year> : Inquiry XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX Experian 's failure to provide the required documentation or to delete the unverifiable information from my credit report is a clear violation of the FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly delete all information that can not be verified. I have also informed Experian of my intention to pursue litigation if my rights under the FCRA are not upheld. 

Given the lack of response from Experian, I am seeking assistance from the CFPB to resolve this matter. I request that the CFPB intervene to ensure that Experian complies with federal law and either verifies the disputed items with the appropriate documentation or deletes the unverifiable information from my credit report. 

Please find attached copies of my correspondence with Experian for your reference. 

Thank you for your assistance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-07-09
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-09
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. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the XXXX XXXXXXXX XXXX XXXX confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
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. (CO)

On XX/XX/year>, I reported that my identity was stolen and was used to open an account with XXXX. I've since deputed and have gotten a written statement stating that this account indeed should be deleted. However, none of the credit bureaus have taken action and removed from my credit report. 

Account number : XXXX Balance : {$1100.00}