davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (NC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-20
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-21
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 recently conducted an investigation of my credit report, which caused severe distress when I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately.

Under the Fair Credit Reporting Act, it is mandated that all information on my credit report be 100 % accurate. However, these accounts are in clear violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not adhering to this standard. 

I am attaching copies of all previous correspondence for your review. I demand that these inaccuracies be rectified immediately to comply with federal law and alleviate the harm caused by your agency 's negligence.
Consumer complaint received 2024-06-20
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)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-21
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)

18 U. S. C. 1028A & 15 USC 1681B ( 2 ) XXXX XXXX XXXX {$73.00} XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TN)

on XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX  about the account # XXXX with a balance of XXXX the account was opened on XX/XX/year> they obtained from ( XXXX XXXX XXXX ) for collection. I advised them that I didn't have any knowledge of the reporting account on my profile. I also stated for the removal of the account from hurting my credit rating. I was told by the company to verify who I was. I followed those steps quickly. I also advised them that the information that was given intially was from my credit profile that I have assess to at the moment and that I didn't feel safe giving them my address over the phone but I obliged to it because I was being threatened that I was not gon na be able to get any info and they threatened to hang up the phone in my face also the standing negative info would remain on my Credit profile I was told that they couldn't aknowledge my concerns, even after proof that the address, name, date of birth, and was totally different than what I have on my drivers license..Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX Bank of America sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called Bank of America to inform myself on how much longer and they said until " XXXX  '' with is XXXX years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with Bank of America and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, Bank of America violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, Bank of America has also violated this right of mine
Consumer complaint received 2024-06-20
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. (NY)

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter Experian and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and Experian, help these fraudulent people to create an account they must be hold accountable for their actions
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've suffered from identity theft and SSN theft where my SSN was being used to work elsewhere in the country. i have the police report when my wallet with original SSN card XXXX XXXX DL and ID were all stolen and never recuperated. in addition my SSN information was stolen from the IRS in the breach they had a while back. As if that was not all my SSN has been used to work in different states. 

I have countless name variations and many addresses that do not belong. 

In addition collection agencies continue to add delinquent status on my credit report on accounts i never opened or had. 

this is impacting my ability to obtain a home a better paying job and funding for my business.
Consumer complaint received 2024-06-21
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-20
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-20
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-20
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 XXXXXXXX XXXX XXXX XXXXXXXX Account # 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
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My credit card lender is XXXX  XXXX on XX/XX/XXXX I checked my credit score with Experian and found out that my lender had took my credit card account off my report to them upon me contacting Experian I found out that I had mistakenly filed a dispute with them and they said that my XXXX  XXXX card was no longer on their report. Upon finding out I reached out to my lender and explained to them that I am a handicapped person thats physically challenged and its hard for me to get around and that I needed my account info with my credit history reported do to the fact I was going to purchase a handicapped vechile because I needed my good credit score which was no longer on my report my lender kept telling the only way I can file a dispute is to write them and mail them info I explained to them my various XXXX and they still insist that I do so Afther calling my lender about 5 times Afther explaining to them that even win I have to apply for social security and anything else to my XXXX its done over the phone I had given them all my account info answered all security questions anything they need to know so finally I got them to file a dispute but thats takes 30 days or so I asked them do to my XXXX could it be any way they could send my old open account back to Experian so that I can get my credit score back that was taken off. Upon me going back and for with Experian 5 times or they told that it was a mistake about the account being taken ok my report and to contact XXXX XXXX which I did the dates were XX/XX/XXXX and the XXXXXXXX XXXX XXXX  when I found out my credit score was gone off my report. I think that the companies should have some type policys implemented to assist people with XXXX
Consumer complaint received 2024-06-21
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. (GA)

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 2024-06-20
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. (NY)

Experian has refused to acknowledge my dispute letter, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies such as Experian are legally obligated to conduct a reasonable investigation upon receiving a dispute from a consumer. Failure to acknowledge receipt of my dispute letter not only disregards my rights as a consumer but also undermines the FCRA 's provisions intended to ensure accurate and fair credit reporting. This disregard for protocol is concerning and necessitates prompt resolution to rectify the inaccuracies on my credit report.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-21
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. (NY)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-20
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My Mortgage company offer me a 90 day furlo due to covid they assured me that I would have options after the 90 days. Prior to that I was not behind on my payments. After the 90 days they was not willing to work with me on no level. I file for a modification and was denied I file for a payment plan again denied. All this started in XX/XX/XXXX. I Applied for assistant with the XXXX XXXX XXXX XXXX XXXX  three months later I was approved. On XX/XX/XXXX they sent a check to PHH Mortgage in the amount of {$6800.00} and another payment on XX/XX/XXXX in the amount of {$820.00} however my account still have not being brought current. I call every week for eight weeks only for each person to tell me something different they admit they have the funds but have not applied it to my account. They initially said it would take 14 days for the loan servicing department to apply the funds to my account. In the mean they would not take any payments from me making me get further behind. Yet no current update. I am a senior citizens and very worry about my home. I have live in this house for 21 years I have never got an accurate amount on how much i still owe my balance still show the amount I paid for the house in XXXX upon closing. I have an escrow account and they been taken out for that but not paying the taxes, please help me understand what is going on. XXXX XXXX XXXX XXXX XXXX