davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-12
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. (DE)

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX and XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, # XXXX has violate my rights.15 USC 1681 section 602 ( A ) states I have a right to privacy 15 USC 1681 section 604 states a consumer reporting agency Cabot furnish an account without written instructions.

15USC 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 records of convictions and crimes which antedates the report by 7 years
Consumer complaint received 2024-09-12
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

In XX/XX/year>, I purchased a used car. The dealership shopped my information around to multiple lenders looking for someone to finance the loan. I do not know how many lenders were approached in this process. Experian currently lists 4 separate individual credit requests all on the same day, for the same purpose, on XX/XX/year>, and counts them individually in the total of credit inquiries, counter to their claims of not doing so under the law and reductions under deduplication. 

I have spent the past 24 hours attempting to contact Experian to try to file a dispute about the information, but the Experian website does not allow disputes to be filed concerning inquiries ; the phone numbers ( and email addresses ) listed do not all go to Experian anymore ; and the ones ( phone numbers ) do place you in an automated hell that does not answer anything and does not provide any way to get out of it. The automated phone tree will direct you back to the web-site which, as previously seen, does NOT allow you to file disputes, but will not forward the caller to an agent or specialist because that can only be done in " certain cases. '' Frankly, I'm about ready to fill a suitcase full of XXXX and make it a certain special case and mail it to them, then it will certainly be special enough to draw their attention that they need to rethink how the phone calls are handled. 

2 hours is more than enough time in that XXXX XXXX XXXX maze to be punished. The one time I thought I saw an escape, I found a different phone number that said the operating hours were from XXXX XXXX  to XXXX XXXX  XXXX. I called at XXXX XXXX  XXXX and was met with a recording that they had already closed for the day, and to call back during the regular business hours of XXXX XXXX  to XXXX XXXX  XXXX. I want to work somewhere where I get to leave over a half hour early and get to call it a full day!! Especially as much as they are XXXX XXXX and my credit over with the sloppiness that they handle everything.
Consumer complaint received 2024-09-12
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-21
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. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-12
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. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a cashiers check by way of USPS mail. XXXX XXXX, XXXX  I called the issuing bank XXXX XXXX XXXX XXXX XXXX XXXX  their telephone number is XXXX XXXX XXXX XXXX. I spoke with a young lady and gave her the check # and account # she informed me that it was good. Later that day I decided to upload the check on bank mobile, it informed me the funds would be available within the next two days. The next morning I went onto my online banking and it said I believe 19 days so I called Bank of America customer service number is XXXX XXXX XXXX XXXX XXXX. Spoke with a rep. and asked why so much longer. He said I believe sometimes they can just take that long but it would probably be sooner. Checked my account and didnt see the funds called. Tuesday XXXX XXXX I tried logging onto my account and discovered I couldnt log in and by the time I found out BOA was closed. I called on Wednesday XXXX, XXXX  was told my account was closed, I asked for the manager and spoke with XXXX, he informed me my account was no longer active. I asked if he could contact higher up because I needed my account and I didnt write a hot check, but did in-fact did endorse it because I was offered a job. I also let him know I called the XXXX XXXX XXXX and gave him the information. I immediately called XXXX XXXX XXXX XXXX. I ask to speck to manage and he informed me his name was XXXX. I explained what was happening and what had happened regarding the Cashiers check being authenticated by a rep there. And that by her authenticating the Cashier Check, that I or anyone else could get in big trouble.and I wanted something done about it. He needed her name and I told him I would call him back with that. I searched for it on Friday, XX/XX/year> I contacted BOA and they informed the higher ups said no because their trying to protect their customers and BOA. On this day of the XXXX I spoke with XXXX, XXXX in the Risk department and they informed me it was in the fraud department, was transferred to XXXX, she said it would possibly be closed and she transferred me back to the Risk department where I. Spoke to XXXX to see if XXXX, had called XXXX she said yes and rushed off the phone.
Consumer complaint received 2024-09-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Experian, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXX XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX  -- XXXX XXXX  -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently wrote a dispute about the following information in my consumer report regarding the closure of my account which I believe was done falsely or inaccurately. My accounts were closed for XXXX  XXXX  XXXX due to multiple blank checks have been deposited into the account from an ATM. Please mind the fact that I have told them I have no idea or knowledge of me depositing multiple checks since I barely use the account as my institution and use another institution as my primary bank. I have, to the upmost sincerity, apologized for bringing forth this information XXXX years subsequent to the incident in which I was attending school in another state and was not able to have the situation handled in a timely manner. I have attached all documentation sent to me so it may be reviewed as relevant documentation to support my claim, including account statements and correspondence that demonstrate the account was in good standing and should not have been closed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Calls and rext about relief from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Which was not report by the courts. As told on phone we don't supply info to credit bureaus.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date. 
Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX  XXXX  balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX  balance {$680.00}, XXXX XXXX XXXX balance {$520.00}, XXXX XXXX balance {$200.00}, XXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

Please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able to obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX The payment status is incorrect, please delete. XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. XXXX : XXXX The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX This account isn't reporting correctly, please delete. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of these collections misrepresents my payment history and negatively impacts my credit score. Furthermore, 15 U.S.C. 68 0 2 states ; A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.