davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-01-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check Security Associates, LLC (CA)

This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and the XXXX of these people are making it difficult to function for my children. Please help me.
Consumer complaint received 2024-06-14
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. (FL)

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 XXXXXXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX/DEPT OF ED # XXXX, has violated my rights. 

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 an 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 or 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 2024-01-24
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)

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. 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. Please delete the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-24
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. (TX)

I am writing to address a discrepancy in the credit reporting information for my account with XXXX XXXX XXXX. Specifically, I have observed that Experian is reporting a late payment for XX/XX/scrub>XXXX XXXX while other 2 credit bureaus are not reflecting this inaccuracy. 

I understand the importance of accurate credit reporting, and I take great care in ensuring the information is consistent across all credit reporting agencies. The reporting of a late payment for XX/XX/scrub>XXXX XXXX  on my Experian credit report is both unexpected and inconsistent with the information provided by other credit bureaus. 

To maintain the accuracy and integrity of my credit profile, I kindly request that Experian investigate this matter and promptly remove the reported late payment for XX/XX/year> in accordance with the Fair Credit Reporting Act ( FCRA ). The account is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-01-24
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. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-24
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. (KY)

The bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX United States XXXX This pertains to identity theft. I am contacting you to inform you that this bank opened a fraudulent personal loan under my name. Despite the individual who opened the account spelling my name incorrectly and having the incorrect address, they opened the loan. It affected my credit score and it also caused me great emotional distress at home and at work. I submitted all of the paperwork they requested and created an account with identitytheft.gov. The bank initially did not respond to my emails or phone calls. I had to continuously email and call. Despite it being almost the 30 allotted days since they obtained my required forms and information ( XXXX ), they did not have their compliance team investigate until XXXX on XXXXXXXX After continuously contacting and sending extra paperwork, I am just now finding out that they did approve my dispute. My concern is the length of time it took ( I do not care if there was a holiday during that time, it was a mistake on their part ). They did not issue an apology. Additionally I am seeing based of review online both at XXXX XXXX XXXX and elsewhere that this is not uncommon. My understanding based off the information on their website is that personal loans require much documentation from the customer. They took fraudulent documentation, did not investigate it, and allowed someone to use my identity to open a line of credit. This bank 's business practices and their practices regarding how they approve their customers needs to be investigated. It is unacceptable to open a fraudulent account with a fake address and name spelled incorrectly. 

I want an apology for the amount of trouble I went through to correct THEIR ERROR and I want their business practices to be investigated.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Hello, My complaint is the Experian and how they seem to try to hide the option to freeze your credit report while trying to push their paid service. It is very hard to find the option to freeze your credit. You have to go look at their paid service and scroll all the way to the bottom of the page past all of the marketing to finally see the option to freeze the account. Before I found that I actually had to XXXX " experian freeze '' to get a direct link to the page. There is a reference to freezing your account when you click on the free plan details, but it is a single sentence at the bottom that you again have to scroll to.
Consumer complaint received 2023-09-19
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. (WI)

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc. (OR)

The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then Experian posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. 

This company and the many other 40 some agency in banking, credit, reporting, all are acting and behaving like 6 year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. 

I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. 

Im told one told, and find the actions are something completely other than what was discussed. 

Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. 

This has gone too far.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NC)

Reached out to reporting agency company to retrieve the information and to freeze the report until reported information was accurate, No response allowed the full 30 days from XX/XX/year> to obtain this information. 
Reached out to the XXXX XXXX to request that they correct the information no response from the actual company. 

XXXX of 2023 the residential company filed for eviction, I appealed the eviction and started paying the XXXX Courts directly for XXXX and XXXX of 2023. In XXXX of 2023 a sheriff showed up at my door to evict. Provided the sheriff the information that my lease was paid up to date with XXXX XXXX and the sheriff left the home. On XX/XX/XXXX I moved my things out and mailed the mailbox and resident key back to the office at the time was the house on the corner of the community. 

Collection agency is reporting that I was charged up to XX/XX/year> the lease I signed ended in XX/XX/year>. 

Reporting amount is XXXX lease ended XX/XX/year> credit agency is reporting end of lease XX/XX/year> im being charged for dates that were not included in my lease.
Consumer complaint received 2024-01-24
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. (MO)

Experian has closed 10 complaints with 7 XXXX  absurd explanations that clearly are computer generated responses but that does not negate the fact that EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX
Consumer complaint received 2024-01-24
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. (CA)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I'm writing this complaint again to tell the credit bureau that I'm a victim of identity theft. It feels like they don't care that I want to challenge the unauthorized stuff on my credit report. Since this breaks FCRA laws, I need that item gone from my file ASAP.
Consumer complaint received 2024-01-24
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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: ROBINHOOD MARKETS INC. (MN)

Last Monday XX/XX/XXXX  RobinHood randomly restricted my account yesterday XX/XX/23 I was supposed to receive a refund of {$340.00} from affirm it was declined, and affirm confirmed that the funds were and are still held by RobinHood. Now today XX/XX/23 I was supposed to receive a direct deposit of {$440.00} from my job. This is a reoccurring deposit and there should be no problem with me receiving my money but since my account has been restricted by RobinHood. These funds were also rejected for no reason.
Consumer complaint received 2024-01-24
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. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}.