davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2024-05-09
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. (PA)

As per FCRA XXXX, it appears that we need to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts seem to be inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-09
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. (IN)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-09
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. (CA)

I am writing to express my extreme frustration and outrage regarding the presence of a fraudulent account on my credit report, as reported by your bureau. This account, referenced as XXXX, is blatantly fraudulent and has been acknowledged as such by the associated company, which has already taken steps to remove it from their records. Despite my repeated efforts to have this fraudulent account removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed this fraudulent account from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. I want you to remove this account from my report : XXXX XXXX
Consumer complaint received 2024-05-09
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : CAF XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX  XXXX Balance : {$500.00}
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

I have tried to get this resolved with XXXX and the debt collection agency when they were calling about this account several years now. The problem is XXXX is stating I owe a debt of XXXX. To prove I owe this debt they sent me statements. I am not saying I didn't have a XXXX account so therefor I do not need statements. What I am stating is that I called in to a XXXX agent and spoke with a rep who stated that this debt would be removed if I sent in the equipment which I did. Once the agent advised me of the information I mailed in the equipment along with tracking information and waited for the update to take with the debt recovery solutions. Instead I was told that I still owe the debt which doesn't make sense because if you send statements that have equipment fees on there and the balance is still reflecting these fees .. 1 the balance is inaccurate 2. the XXXX agent should not have provided the direction that by sending in the equipment the balance would be updated and removed from my credit report. This is unfair and I know this poses UDDAP concerns by your agent providing me inaccurate information. I want this in accurate info removed from my credit report and the called pulled with the agent providing me this information and I know it can be pulled.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My XXXX XXXXXXXX XXXXs are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX XXXX XXXX delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The addresses listed above I have not resided in. My XXXX XXXX XXXX are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this 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.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, 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 — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a loan open with XXXX XXXX  and they are not reporting my account to the credit agencies after my XXXX  XXXX bankruptcy. There was a reaffirmation with this company and I am still paying on time for this loan. As well for Sheffield financial I paid the loan in full and that was not reported to the agencies. I have tried to reach out to Sheffield with no luck. XXXX XXXX has not helped me at all to report my on time payments.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
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. (OH)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

In XX/XX/XXXX, I applied for the PLSF program and my student loan servicer switched from XXXX to XXXX. In XX/XX/XXXX, I received a message that XXXX was switching the service platform for my student loans. On XX/XX/XXXX, I pulled my credit report from Experian and it showed that I owed essentially double the amount in student loans. In looking at the loan details, my student loans were being shown in duplicates with both XXXX and XXXX. I contacted XXXX and asked if this was an issue on their end as reporting my accounts still open with them. XXXX assured me that my accounts were closed with them and that the issue was with XXXX not correctly reporting to credit bureau that there was a " credit continuance '' with my student loans. When I tried to log onto my account with XXXX, my profile was not showing as existing in their system because my accounts were being transferred to their new platform. They told me that there was nothing they could do on their end until the transfer was complete and to just call back at a different point in time. This is incredibly stressful because my credit report is showing as having nearly {$200000.00} in debt as opposed to ~ {$95000.00}. I was in the process of finding a mortgage broker to start the loan preapproval process ; however, I now have to halt this process until my credit report is corrected to show my actual loan amount.
Consumer complaint received 2024-05-09
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. (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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-05
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. (LA)

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that 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.Ive attached a copy of my report to this complaint on the following XXXX dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. Experian dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. Experian dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 days.Equifax dates for XXXX XXXX XXXX co account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-05-09
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. (GA)

XXXX XXXX VIA DEALER XX/XX/year> REGIONAL ACCEPTANCE XX/XX/year> XXXX BANK XXXX XXXX XX/XX/year> TRUIST DEALER SERVICES XXXX XXXX CADILLAC XXXX CAPITAL XXXX VIA DEALER XXXX ALLIANT CU XXXX CAPITAL XXXX XXXX XXXX FCU XXXX XXXX FCU XXXX
Consumer complaint received 2024-05-09
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX XX/XX/year> XXXX
Consumer complaint received 2024-05-09
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. (OH)

This account does not belong too me. This account belongs too my sister XXXX XXXX XXXX I reside at the same address for XXXX  years now and can provide proof and documentation .This account needs to be removed immediately before I seek legal action.
Consumer complaint received 2024-05-09
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (TX)

I hope this message reaches you promptly. I am writing to urgently request the immediate removal of old items and also the new fraudulent items that have appeared on my credit file. 

Despite previous attempts to rectify fraudulent entries on my credit report, I have discovered new fraudulent items that have recently emerged. This situation is deeply concerning and requires urgent attention to mitigate any further damage to my financial standing. 

I urge you to escalate this matter and take immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that we address this issue swiftly to prevent any adverse impact on my creditworthiness and financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
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. (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