davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX CARD. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-08
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 finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting incorrectly that I am 60 days past due on XXXX/XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-05-08
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. (TX)

I hope this message finds you well. I am writing about my previous communication regarding the late opening date of my account. 

Despite my initial request to correct the opening date of my account, I regret to inform you that the issue remains unresolved. As a result, I am reaching out once again to request your assistance in rectifying this matter. I have attached copies of relevant documents, including proof of my application and any other supporting materials, to assist in the resolution process. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening date. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} XXXX XXXX XXXXXXXX XXXX Balance : {$700.00}.
Consumer complaint received 2023-12-05
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-05
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)

last month when i applied for a mortgage at XXXX XXXXXXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunioncustomerservicedepartmentandfrauddepartmentrefusetoremoveunknowninquiriesfrommycreditreport.Theinquiriesthatneedtoberemovedare:XXXXXXXX.XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXXXXXXXX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

According to the Fair Credit Reporting Act ( XXXX XXXX XXXX, Section XXXX ), consumer reporting agencies, such as XXXX and XXXX, have a duty to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to protect my private information. This is further supported by XXXX XXXX XXXX, which mandates that financial institutions must safeguard the privacy and security of customers ' nonpublic personal information. Under XXXX XXXX XXXX, Section XXXX, a consumer report XXXX only be furnished with the written consent of the consumer. I do not give consent to XXXX, XXXX, or any financial institution to share my information. Any consent previously given is hereby revoked. Additionally, XXXX XXXX XXXX requires financial institutions to inform consumers of their right to opt-out of having their nonpublic personal information shared. I was not informed of this right. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) states that adverse information older than XXXX years can not be reported. Reporting such information without my permission is unlawful. According to XXXX XXXX XXXX ( A ) ( XXXX ) ( A ), no person should furnish inaccurate information to a consumer reporting agency. It is evident that XXXX and XXXX are not following reasonable procedures as required under XXXX XXXX XXXX to prevent violations and limit the use of consumer reports. Therefore, in accordance with XXXX CFR XXXX, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

This Car loan was opened in XX/XX/2011, XXXX XXXX  has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this account.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

I Applied for a Barclays JET BLUEcredit card almost three months ago ... ..I didn't get a response stating what was going on so i called... they told me XXXXthey had to identify me... so they told me to fax over my Bill, Drivers license XXXX and the SSN ... .which i did ... ..a month later... .no response ... XXXXso oh course i called again ... and was told they received everything but they couldnt read the SS numbers ... ..which is weird because the copy is as clear as day... so i told them i will send it thru the mail ... .that was a month ago ... ... ... still no response... .I have submitted my documentation twice now ... and included my SS card which i feel is dangerous with all the indentity theft going on... and still no response... .its been three months at this points ... .I JUST WANT ANSWERS
Consumer complaint received 2024-05-08
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. (IA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-29
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. (WA)

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report ( Enclosure XXXX ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to XXXX and Experian on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Experian via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2023-12-24
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. (MI)

I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (TX)

I Sent my letter off in XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I would like to file a complain against Experian. I have made several attempts to login and get my information and when I call I am not able to gain access. I know my information and have called several times. 

Also, I have noticed that someone is tampering with ( all ) XXXX credit bureau information because there has been addressess added to my credit report of places someone felt I have lived but I never received mail at those addresses so I am not understand how they were even able to obtain. 

What I can tell you is that staying in a hotel doesn't consitute a home address when I used a XXXX XXXX XXXX 

I believe this to be the ( FBI ) because I have notice that I am being followed and even my bank accounts are being tampered with. 
Bottom line, the law is being broken and my rights are being violated.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file.

Please be advised that this is the 5th time I have sent letters to correct this inaccurate information and that this incorrect information is continuing to do significant harm to me and my family. 

1 ) XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. My records indicate that this account opening date is incorrect, account opened in XX/XX/XXXX, not XX/XX/XXXX and the date of first delinquency was XX/XX/XXXX, and as such needs to fall off from my credit report immediately. 

2 ) XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. My records indicate that the date of first delinquency was XX/XX/XXXX, and as such needs to fall off from my credit report immediately. 
Please reinvestigate these matters and delete this disputed information as soon as possible.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (PA)

This debt was added to my credit report without having any prior knowledge to this debt They claimed that I have a debt for address. I have never lived a phone number Phone Number I never had. That has not been verified with any of the credit XXXX and needs to be removed immediately because I didnt have no I have no of this or address or phone number that they have on file. Also, I was threatened by the agent on the phone stating that if I didnt update my information that is that would never go away and by law I do not have to give them any of my at any of my information for them to update in their system. This company is trying Claim fraudulent debt I have never lived in the address on file. This is not my debt and I will ask the week for it to be removed immediately. If not, I will have to take legal action.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I am writing this letter because I found the following accounts to be reporting inaccurate misinformation and I would like you to investigate and delete them in accordance with the federal law : Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX. XXXX XXXX XXXX Acct : XXXX Amount : {$710.00} XXXX. XXXX XXXX XXXX Acct : XXXX Amount : {$11000.00}