davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Dear Sir/Madam, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit report that are causing undue hardship in my efforts to improve my life. Recently, I have been striving to refinance my vehicle and secure a new apartment. However, I discovered several damaging errors on my credit report that are severely hindering these endeavors. 

I have always maintained a diligent approach to managing my finances, and these inaccuracies are not only unwarranted but also profoundly unfair. As I understand it, under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to an accurate credit report. Specifically, the law mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they compile and distribute.

The inaccuracies on my credit report are a defamation of my character and have a detrimental impact on my life. The errors have resulted in higher interest rates for refinancing my vehicle, and potential landlords have declined my rental applications. This situation is causing significant stress and preventing me from making the positive changes necessary to better my financial stability and overall quality of life.

Refinancing my vehicle would allow me to secure a lower interest rate, thereby reducing my monthly expenses and freeing up much-needed funds to support my family. Similarly, moving to a new apartment is crucial for my well-being and personal development, as it offers a safer and more supportive living environment. 

The importance of an accurate credit report can not be overstated. It affects many aspects of daily life, including the ability to obtain employment, secure housing, and even access basic utilities. The errors present on my credit report are not only inaccurate but are also causing me emotional distress and financial strain. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and take appropriate action to ensure that these inaccuracies are corrected promptly. I believe that adherence to 15 U.S.C. 1681 will not only rectify my current predicament but also prevent such issues from occurring in the future, thereby protecting consumers from unwarranted harm. 

Thank you for your attention to this serious matter. I am hopeful that with your intervention, my credit report can be corrected, allowing me to continue my efforts to improve my financial situation and secure a better future for myself and my family. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
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. (AL)

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 NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : 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 XXXX 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 2024-05-16
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. (NJ)

I was checking my consumer report and I realized theres a few collections and negative accounts that I did not authorize. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report.Please remove these unauthorized inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (CA)

I received a call from a company that called themselves " Medical Revenue Service '' the man I spoke to gave me inconsistent information and told me that I needed to contact my bank to let them know that I allow them to take my money out of my account after I gave him my card information. This was a huge red flag. I did some research on the number/company and found a lot of complaints online, most people saying that they are a scam. I called back and requested a receipt either physical or electronic and was told that would take 21 days and that I need to send them a self addressed envelope with a stamp. I also asked if they ever mailed me a bill and he said they sent one yesterday XXXX/XXXX/16 and that I should get it soon. This was another red flag. I asked him if it was standard procedure to call a person multiple times before sending them a bill and he said it depended on the situation. He also had very little information for me when I asked how he received my information. Needless to say, after 2 phone call conversations, I realized this is most likely a scam and had to have my card replaced in order to avoid them falsely charging my card or stealing my identity.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Firstly, the company decided to suddenly report my company card to my personal credit report after 3 years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60 days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60 day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.
Consumer complaint received 2023-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VI)

I applied for a new credit card at my local bank, XXXX XXXX XXXX XXXX, and they stated my application has been unapproved because I have multiple hard inquiries on my report. I do not recognize these hard inquiries.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-08-25
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

We were anonymously given a {$500.00} Vanilla Visa gift card on XX/XX/23 when my husband was laid off. It was left at our church ( currently trying to track down WHO it was to see if they retained the receipt ).

When I opened the factory sealed envelope, 3 of the 16 digit numbers were scratched off. I tried using the card in person at a store and the card reader wouldn't even read it. 

I called the customer service number on the back on XX/XX/23 and after finally getting through to a real human being they asked for the serial number on the back, which I provided. Then the gentlemen informed me their system was down and he couldn't help me. He said when I called back, I needed to provide the receipt ( which I obviously don't have ) and a photocopy of the front and back of my ID. I told him I don't feel comfortable giving them my ID ( and thought to myself it sounds like a scam ) and didn't understand why they needed that. The card wasn't linked to me in any way since I didn't purchase it. 

After hanging up I did some online research only to discover this has happened to thousands of other people with this Vanilla Visa card. As I stated before, the gift card was factory sealed! So this must be an inside job? I know that sounds crazy but how else would someone be able to scratch of the numbers?
Consumer complaint received 2024-06-22
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-17
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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 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 2023-09-15
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. (FL)

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
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 2024-05-16
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)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHT I AM NO LIABLE FOR THIS DEBT WITH XXXX AND I DONT HAVE CONTRACT WITH XXXX XXXX XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE I ASKED. 

15 U.S C 1681 SECTION 602 A. STATES I HAVE THE RIGHT PRIVACY.

15 U.S.S 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANOOT FURNISH A ACCOUNT WITOUT WRITTEN INSTRUCTION THANKS
Consumer complaint received 2024-05-17
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 am writing to express my extreme frustration and concern regarding the persistent failure to remove charge off accounts and fraudulent items from my credit report. Despite my previous attempts to resolve this issue, these fraudulent items remain on my credit report, continuing to cause significant harm to my creditworthiness and financial stability. I have diligently followed all necessary procedures, including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. Despite these efforts, the agencies have not taken the required action to investigate and remove the fraudulent items from my credit report. 

I am requesting that you urgently intervene in this matter to ensure that the credit reporting agencies take immediate action to : Thoroughly investigate the disputed fraudulent items on my credit report. 
Promptly remove any items found to be fraudulent or unverifiable. 
Provide me with a corrected copy of my credit report. 
Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off accounts and fraudulent items : XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$44.00}.
Consumer complaint received 2024-05-16
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 looked at my report back on XXXX XXXX, and noticed some thing 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. these account XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-08-25
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. (MD)

I am presenting this follow-up complaint concerning the Experian and XXXX Credit Bureaus , in collaboration with the CFPB 's assistance. I previously informed the two credit reporting agencies ( CRAs ) about being a victim of identity theft. This serves as an additional request to have the inquiries resulting from the alleged identity theft blocked and removed from my credit report. It's imperative that these specific inquiries be blocked and removed within the designated timeframe. The identity theft report has been included in my prior complaint, and I am attaching it once again for reference. Additionally, the information provided by Experian and XXXX regarding these inquiries is unfamiliar to me. Furthermore, this data had already been eliminated by other bureaus individually. Consequently, I have reservations regarding the accuracy of the information they are presenting for each of these inquiries. Please see below are the listed remaining fraudulent inquiries that the Experian and XXXX Credit Bureaus NEEDED to remove : EXPERIAN : 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 2023-08-25
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. (OH)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX : {$2000.00}