davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-24
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. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX, Experian the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with Experian 's, XXXX and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, Experian and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$35000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXccount Number : XXXX {$34000.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$6600.00} XX/XX/XXXX XXXX FCU Account Number : XXXX {$30000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX XXXX {$34000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXXXXXX XXXX Account Number XXXX XXXX {$6600.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$35000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ATTENTION EQUIFAX! 
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my XXXX Credit report. The inquiries that I listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULENT INQUIRYES! 
XXXX XXXX Inquiry date : XX/XX/scrub> XXXX XXXXXXXX XXXX Inquiry date : XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AZ)

In XXXX I sign up for a credit card from Barclays Bank. I thought there was no annual fee but apparently there was no annual fee in the first year but there was in each year thereafter. I made a few purchases on the card in XXXX and paid them when they became due. 
In early XX/XX/XXXX I received a statement dated XX/XX/XXXX advising me that I was to be billed next month for an annual fee of {$99.00}. The statement went on to state : " You may choose to call us at XXXX within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed. '' My wife and I each thought the other had called to cancel the card but when I received a download into my accounting software of an annual fee charge I realized that the account had not been cancelled. I immediately called the number on the statement and asked to cancel the account. The call was made on XX/XX/XXXX at XXXX XXXX XXXX and I spoke to XXXX. After checking with his supervisor, XXXX advised me that I would have to pay the annual fee and that the bank would mail me a check to refund the fee within 60 days. I pointed out that the bank 's own notice said that if I called within 45 days ( I called within 32 days ) that " the fee would not be billed ''. In response I was told that since the fee was already on the XXXX statement, I would have to pay it and that the bank could not reverse the charge. In addition the bank advised that if I didn't pay the charge by the due date I would be assessed a late fee and interest. Since the bank will not honor its own written notice, I have no confidence that if I pay the annual fee that I will receive a refund based on an oral promise made over the phone. Also, loaning the bank {$99.00} for two months is not fair since they promised to not assess the fee if I called within 45 days which I did.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to XXXX, Equifax, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.
Consumer complaint received 2024-05-13
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. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

I am writing to formally dispute an inaccurate rent collection reported by XXXX XXXX XXXX and subsequently reflected on my credit report. The property in question is located at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which my spouse and I rented from XX/XX/XXXX to XX/XX/XXXX. In the summer of XXXX, I received an eviction notice addressed to an individual other than myself for the property we previously rented. It has come to my attention that this eviction notice pertains to the residents who occupied the property after our lease ended. Despite this, a rental collection of {$24000.00} has been incorrectly placed on my credit report. I kindly request that this matter be investigated thoroughly and remove the erroneous rent collection from my credit report. This error has had a significant negative impact on my credit score, and has currently kept me from being able to rent an apartment. It is crucial that it be corrected as soon as possible. 

I have been unsuccessful in initiating a discussion with XXXX due to there being no contact information apart from a general customer service line. However, I successfully communicated with Rent Debt Automated Collections, the collection agency involved. During our conversation, I was informed that they are unable to provide an update on the matter due to an ongoing dispute regarding the file. When I inquired about the expected timeline for resolution, Rent Debt indicated that the duration hinges on XXXX 's response timeframe. It's important to note that I have not received any written documentation pertaining to this collection.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
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: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I value your help to FIXED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$250000.00}
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have ask them to stop calling me and that if they didn't stop that i will sue i also let them know that i have file a fraud with XXXX  fraud management and they call every day.for the last two weeks from the hours XXXX to XXXX i also notice XXXX  about these call
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across XXXX XXXX XXXX, XXXX, Experian, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
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: EQUIFAX, 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  Account XXXX has violated my rights. Or a 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Follow up disputes that in process. XXXX  service rep advised me to send. Police report which is consider additional information to remove items shown on credit report. 2 accounts XXXX XXXX XXXX who l have already sent copies police reports identity theif name was exspose across black Webbiite addition ld attached with copy bill recent bill social security
Consumer complaint received 2024-05-29
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. (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.

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.