davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accountsare 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I asked you to verify this account because its showing inaccuracies and inconsistencies, with XXXX XXXX # XXXX Act # XXXX. This is my third attempt and Im still showing in accuracies in this account. Please reinvestigate again. And please send me the correct date of last activity. Im showing three different inconsistencies and also, please state where and how you got the correct date.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-07-05
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: Credit Karma (TX)

File number XXXX. Dispute was filed through credit karma for in accurate report from XXXX about inaccurate information from XXXX XXXX on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within 30 days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All XXXX XXXX information is incorrect
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
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)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-22
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. (MI)

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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have recently reviewed my credit report and I have noticed several late payments on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period. This account is on automatic draft and no payments have been missed. I am trying to get a home for me and my family and these late payments are causing me to be denied and in cases that I am approved with an extremely HIGH interest rate. See attached Consumer law attached
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items.

DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$5800.00} US DEPT ED XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-31
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

My XXXX, XXXX  and XXXX Credit File is showing a past due amount of {$300.00} and a balance of {$300.00} for a Shell Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Citibank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Citibank. I have contacted Citibank concerning this issue before and it was never corrected.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always made sure payments on this account are timely, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Under the FCRA code 15 US 1681 my rights have been violated as a US citizen and a Consumer. Specifically Under code 1681i- ( reporting containing information solely as to transaction or experiences between the consumer and the person making the report. ) This is listed under the code as an EXCLUSION. Therefore any information regarding payment history by law appearing on my credit report is UNLAWFULL and should be removed or corrected. The following under UNITED STATES LAW should be corrected on my credit report immediately and updated to PAID AS AGREED or removed immediately XXXX - XXXX  XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

It has been wrote off long ago and now there bring it back up and it's the same account two times how is that legal I'm contacting a attorney and the XXXX account they know is not mine just like the cable account they deleted the address because I never lived there but left the debt on my report I feel like I'm being discrimination against me and I know there's attorneys who would be more than glad to take my case because there simple experion XXXX and the other two are all doing the same thing just like it says I live and lived in Wisconsin never have I in my life lived in them places step up your game stop profiling XXXX people before we all come together and fight you all in court I'm definitely tomorrow contacting a attorney this is wrong and I have had it
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023 I received multiple wire deposits from XXXX in the amounts of {$15000.00}, {$30000.00}, {$7000.00}, {$3400.00} and {$7000.00}. My Finance currently resides part time in XXXX and part time with me in Florida.The funds were income from work he does in XXXX. He has dual XXXX XXXX XXXX  citizenship and is not currently on my accounts due to a pending divorce. I used part of the deposited funds {$39000.00} to purchase a vehicle for my Fianc by wire transfer from a car dealer in MA. Capital One called to verify the transaction and asked multiple questions, which I answered to the best of my knowledge at the time, given I was not at home in front of my computer. They thanked me and said the wire would be sent. I even received confirmation that it was initiated. I then attempted to make a purchase for {$510.00} with XXXX and it would not go through so I attempted to use my debit card for the purchase and it was declined. When I logged in to my accounts about an hour later, there was a message that said my accounts were locked with a number to call. The {$39000.00} wire had been taken from my balance but to date has not been received by the Auto dealership causing me to send them another {$40000.00} through another account or lose the vehicle.when I called the number, I was instructed to leave a voicemail and it could take up to 48hrs for them to respond. I finally received a call back and the woman was condescending and when I told her I needed to get the information she was asking for, she hung up on me. When I finally got through to some one else they told me I gave inconsistent answers and my accounts were closed and I would get a check for the funds mailed to me when they finished their investigation. I asked when that would be and was put on hold for 30 more minutes and when he returned his answer was- I dont know he said I would receive a letter or email of explanation in 3 days. It has been 5 days and I have received nothing. I cant speak to anyone because of the status of my accounts and when I was finally able to leave another message yesterday, I have not received a call back. Capital One is holding over {$21000.00} of MY money hostage along with a wire transfer. It has been 6 days and still I have no explanation in writing or indication when their investigation will be complete and my money returned to me.
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NV)

I am in the process of disputing certain things on my credit that were the product of identity theft. The company that bought one of the debts is calling me nonstop, have started contacting previous places I worked at that showed on my credit about this debt, they are contacting family members associated with my information as well. The aggressiveness borders on harassment.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I sent a letter via certified mail to Experian requesting verification of a reported bankruptcy on my credit report. Experian never responded. Here we are into a new year and they have gone pass their allotted time frame to comply.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma (MD)

NEARLY ALL OF THE INFORMATION THAT ARE BEING REPORTED ON CREDIT KARMA ARE OLD/INCORRECT/FALSE/RECTIFIED. SPECIFICALLY, THE CAPITAL XXXX ACCOUNT AND THE XXXX XXXX XXXX ACCOUNT. THOSE WERE DELETED. THEY ARE OLD/FRAUDULENT ACCOUNTS. MERCHANTS XXXX XXXX NEEDS TO BE REMOVE/DELETED FROM MY CREDIT PROFILE. THE COLLECTIONS NEED TO COME OFF ALSO. ALL THOSE INQUIRIES NEED TO COME OFF. THAT GOES FOR BOTH SOFT AND HARD ONES. I'VE WRITTEN TO THEM SEVERAL TIMES VIA EMAIL. I JUST KEEP GETTING EMAILS THAT MAKE ABSOLUTELY NO SENSE. I NEED HELP GETTING THOSE NEGATIVE REMARKS OFF. PLEASE!
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (SD)

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of South Dakota its a pay day loan under the pretense of an installment loan using tribal land to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management, is currently garnishing my wages for a debt that is past the statue of limitations.In the amount of {$5100.00}. I have evidence in which i made my last payment, XXXX XXXX past the statue of limitations, Midland Credit Management entered this XX/XX/year> XXXX
Consumer complaint received 2024-06-11
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. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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 have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... 

Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the immediate removal of a collection account XXXX XXXX XXXX, XXXX from my credit report, as the collection agency in question is not licensed to collect debt in the state of Florida and has also reported incorrect information in my credit report. 

Unlicensed Collection Activity : The collection agency, XXXX XXXX XXXX, XXXX, is not licensed to operate as a debt collector in the state of Florida. According to Florida law, specifically Florida Statutes Section 559.553, debt collectors must be licensed in the state to legally collect debts. Therefore, their collection activities are illegal and should not be reflected in my credit report.

Incorrect Information Reporting : The collection account contains incorrect information that is adversely affecting my credit score. Misinformation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a credit report must be accurate and verifiable.
Consumer complaint received 2024-05-22
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX