davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
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. (GA)

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-05-31
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. (CT)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/23, someone fraudulently used my debit card, multiple transactions in the amount of {$3700.00}. The merchant was XXXX. The transactions posted on XX/XX/23. 
I received an email on XX/XX/23 that my account had over drafted and I immediately checked my account to see what happened. I saw the fraudulent charges and immediately notified the bank of the issue. I blocked my card through the online banking website and responded to the alert of suspicious transactions as soon as possible, same day. I went to the bank the very next morning to file a dispute. 
On XX/XX/23, the bank declined my dispute saying that we had used the merchant in the past. Yes, we have used the merchant in the past, but not in this manner or this amount. On the same day, XX/XX/23, I contacted the fraud department and asked them to reopen the case and I sent proof that the transactions were not mine. I attached screenshots of our XXXX account payment center, showing that we only had two XXXX transactions for advertising, which totaled approx. {$100.00}. We only approved these two transactions earlier this year. I also filed and attached a police report. We are asking assistance in getting this resolved as this is fraud and we should be protected against this.
Consumer complaint received 2024-05-29
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. (MD)

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 2024-05-30
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. (ME)

Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX I recently discovered that an account with XXXX was opened without my knowledge or consent. I believe that my XXXX, XXXX XXXX, XXXX, or XXXX XXXX may have opened this account, along with several other credit accounts, using my personal information after our XXXX My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a XXXX XXXX renewal, and this account has reappeared on my credit report last month. The collection agency, XXXX, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. ( Not sure why they told me XXXX XXXX on my first call ). When I contacted XXXX, they said they had no account with me. I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX. The last account I had XXXX years ago was with XXXX XXXX. That's the only broadband account I ever had in XXXX and it was closed in XXXX.
Consumer complaint received 2024-05-31
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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
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. (SC)

Why is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX showing up on my credit report when it is not mine i do not owe money to this company or purchase anything from them, because i do not have an account with them so remove it
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate information regarding a fraudulent mortgage loan account that is currently appearing on my credit report. I am a victim of identity theft, and this account was opened without my knowledge or consent. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported on a consumer 's credit report is accurate and complete. I am exercising my rights under the FCRA to dispute the following fraudulent account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Mortgage Loan Date Opened : XX/XX/2020 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Mortage Loan Date Opened : XX/XX/2020 This account is not mine, and I did not authorize anyone to open this account on my behalf. I have never had any business dealings or any accounts with the creditor listed above. I am requesting that this fraudulent account be immediately investigated and removed from my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I looked at my credit report on, XX/XX/year>, and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX is not complete and accurate. I also did not received a debt validation letter within 30 days as requested and promised and according to the fair debt collection practicing act and under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct and date reported is not accurate. Also I have didnt receive a debt validation letter within 30 days
Consumer complaint received 2024-05-30
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. (MA)

I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX Balance Owed {$6300.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$85.00} XXXX XXXXXXXX XXXX XXXX Owed {$140.00} XXXX  XXXX XXXX XXXX Owed {$19000.00} XXXX XXXX XXXX XXXX Owed {$450.00} XXXX  XXXX XXXX XXXX Owed {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX Owed {$73.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX XXXX XXXX XXXX Owed {$61.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX  XXXX XXXX XXXX Owed {$230.00} XXXX XXXX XXXX XXXX Owed {$69.00} XXXX  XXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX XXXX Owed {$130.00} XXXX  XXXX XXXX XXXX Owed {$83.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00} XXXX  XXXX XXXX XXXX Owed {$170.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX XXXX XXXX Owed {$55.00} XXXXXXXX  XXXX Balance Owed {$0.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX XXXX XXXX Owed {$19000.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00}
Consumer complaint received 2024-05-31
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. (GA)

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
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)

XXXX Credit Bureau refuse to remove negative item on my credit report. 
In according with the fair credit Reporting act. XXXX XXXX account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose Experian Credit Bureau In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose
Consumer complaint received 2024-05-30
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. (NJ)

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 2024-05-31
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-30
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
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. (IL)

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX