davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (PR)

I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

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 2024-05-06
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$830.00} DEPTEDXXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX  XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$440.00}
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AR)

I've spoken with a representative from Eastern Account systems and they have not provide the purchase agreement. Their request for me to go back to the company they bought the debt from is not acceptable when they are reporting fraudulent information to all XXXX credit bureaus. I requested this information on XX/XX/year> and I have not received anything but a link to the original company that started the contract.
Consumer complaint received 2024-05-06
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. (NC)

is a formal complaint regarding the failure of Equifax to adequately address my identity theft report concerning a fraudulent account on my credit report. Despite numerous attempts to rectify this issue, the consumer reporting agencies have failed to take appropriate action to resolve the matter. 

On XX/XX/2024, I discovered that there was a fraudulent account listed on my credit report, which I believe to be a result of identity theft. Immediately upon discovering this discrepancy, I followed the proper procedure by filing an identity theft report with the relevant authorities and submitting a dispute to the consumer reporting agencies in question. 

Despite providing all necessary documentation and evidence to support my claim, including the identity theft report and any additional requested information. Equifax have failed to take meaningful action to address the fraudulent account on my credit report. This negligence has not only damaged my credit score but has also caused significant distress and inconvenience. 

I have made a attempts to communicate with the Equifax to resolve this matter, but my efforts have been met with inadequate responses and delays. It is evident that the consumer reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information on my credit report, particularly in cases of identity theft. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and compel the consumer reporting agencies to : Conduct a thorough investigation into the fraudulent account on my credit report. 
Take prompt and appropriate action to remove the fraudulent account from my credit report. 
Implement measures to prevent similar incidents of identity theft in the future. 
I have attached copies of all relevant documentation, including the identity theft report and correspondence with the consumer reporting agencies, for your reference. 

I urge the CFPB to take swift action to address this matter and ensure that the consumer reporting agencies fulfill their obligations to consumers under the FCRA. 

Thank you for your attention to this serious issue.
Consumer complaint received 2024-04-30
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. (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 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am re-opening a closed business account with Bank of America. 

I made an appointment on line to open the account. 

XXXX XXXX called me to confirm the appointment. She called on a very disconnected line with static, causing hearing difficulties. 

She asked the name of business and what type of business I have. 

I specifically stated a nonprofit corporation. She then reiterated what I stated and told me to bring in my incorporation ( state documents ) and XXXX. 

I responded with thank you. I would like to have a copy of the recording of this call as well. 

When I got to the bank with my the documents requested by XXXX XXXX, she then stated that because I have a corporation, I now need to provide minutes. We already had a phone conversation, in which I let her know that I am a corporation and on that call, she never mentioned minutes as a document I need to bring in. 

She was rude, condescending, and very aggressive. 

I asked to speak to someone else and was advised she is the only one who can help me. I asked for another appointment and she refused.
Consumer complaint received 2024-04-30
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. (TN)

I have sent documentation to Experian for the past 2-3 months to have my address on my credit profile updated to my correct address and they refuse to update my correct address. They have completely removed my address from my credit profile which has caused me not to get a credit score from them.
Consumer complaint received 2024-04-30
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. (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. 
has violated my rights. 


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

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.

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

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 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Total balance : {$1500.00} XXXX false accounts in Collections : XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX CO, still showing a balance of {$860.00} as of XX/XX/year> XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX still showing a balance of {$250.00} as of XX/XX/year> EASTERN ACCOUNT SYSTEM Original creditor : XXXX still showing a balance of {$440.00} as of XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (NJ)

On XX/XX/year> I contacted the company ( Key 2 Recovery Inc ) and was advised that do not send verification of debts. Additionally, the representative claimed the debt is 100 % mine although she did not allow me the opportunity to review any documentation. This is misleading and a tactic to enforce me to pay.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP (NY)

On XXXX, I tried accessing my bank account and noticed an amount of {$4400.00} was withdrawn plus a {$120.00} bank levy surcharge. After speaking to a rep of XXXX XXXX they told me that I had a restraining supeona that stated I owed {$2200.00}. XXXX served to them from a debt collector known as Forster & Garbus LLP. They gave me a number to contact the company in which I did. I finally got through to a live person on Tuesday after leaving voicemails prior and was told there was a judgement from a XXXX XXXX bank from 2011. I then told them I was never served or had a debt with any one from XXXX XXXX XXXX. XXXX XXXX at Forster & Garbus said it was from a prior attorney, in which they got the info. I have been asking for proof of this judgement for over a week as to I need to access my banking and XXXX XXXX  will not release the funds until they respond to them. I received a notice in the mail in which XXXX XXXX  received from Forster & Garbus which states its from The People of The State of New York. Not a true subpoena, as this was not served to me at all from any sheriff in NY and which was never served to me. When I asked for proof off the so called judgement I was told they are waiting on another law firm to get them that info. They do not have it. At this point, XXXX XXXX  is holding my money and taken away all my banking privileges and I have no proof of any judgement in which the company Forster & Garbus is stating that there is on me from a debt that shows a date of 2011. How can Forster & Garbus put a complete bank levy on my accounts with no paperwork or proof of debt? I need help in freeing up my bank funds as my paycheck goes into this account as well as bills bouncing that are set up to go through the account electronically. Please let me know if I can send a copy of the bogus debt collectors subpoena as it was never signed off from the courts.
Consumer complaint received 2024-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a XXXX point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.
Consumer complaint received 2024-04-29
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)

To Whom It May Concern : I am writing to bring to your attention several inaccuracies present on my credit report that require immediate correction. My name is XXXX XXXX XXXX, and I am requesting the removal of the following items : 1XXXXXXXX XXXX XXXXXXXX : There is a reported balance of {$6500.00} with XXXX XXXX XXXXXXXX that is incorrect. I request that this information be removed from my credit report. 

2. Charge Off from XXXX XXXX : There is a charge off from XXXX XXXX listed on my credit report, which has been paid in full. Therefore, it should be removed immediately as it is no longer valid and is incorrectly reported. 

3. XXXX XXXX  Late Payment : There is a late payment from XXXX XXXX listed on my credit report that I believe is inaccurate. I request that this late payment be investigated and removed if found to be incorrect. 

I kindly request that Experian Credit Bureau investigates these discrepancies and takes the necessary steps to correct them promptly. These inaccuracies are negatively impacting my credit score and financial reputation, and I urge you to rectify them as soon as possible. 

Please acknowledge receipt of this dispute letter and provide me with a timeline for the investigation and resolution of these issues. You can reach me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq date : XX/XX/XXXX There is also an open and accurate account from XXXX XXXX that is accurate it is NOT apart of this dispute its current and active from XX/XX/XXXX so that that open account as is. I am just requesting inquiry that I do not have knowledge on be removed.
Consumer complaint received 2024-04-29
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 delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-18
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. (PA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments 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 dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.