davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX  ACCOUNT # XXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Already reported this account information incorrect. The account type is incorrect. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-15
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. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TN)

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 XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account 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 2024-04-15
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)

For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning Experian, XXXX, and XXXX, all of which have inaccurately recorded that a payment on my XXXX XXXXXXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-15
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

On XX/XX/12 i completed application for recalculating my plan to XXXX which should cut my payment from XXXX something to XXXX. On XX/XX/12 it said it was received and processed. The website says it takes 15 business days to update. It has now been 34 with no changes, no notification, no end in sight. When you callt hey say it's a 15 minute wait and they will call you back, i wait almost an hour with no call back. I have to work, I can't wait on hold for several hours.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX XXXX, date openedXXXX, amount {$720.00}. Paid closed. 
XXXX, date openedXXXX, amount {$5000.00}. 
XXXX-Account-XXXX date openedXXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXX-AccountXXXX date opened-XXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX, date opened-XXXXXXXX amount {$1000.00}. 
XXXX XXXXXXXX-Account-XXXX  date opened-XXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.
Consumer complaint received 2023-07-14
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. (NV)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # 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 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 XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I submitted identity theft reports ( Ftc report # XXXX ) from the proper authority and proper documentation of invalid and inaccurate information on my credit reports as well as proof of my true identity to XXXX, Equifax and XXXX by certified mail on XXXXXXXX XXXX XXXX with all 3 letters confirmed to be delivered between XX/XX/XXXX and XXXX. They ignored certain verified claims, removed and then reposted others. XXXX even denied receiving some of the documents despite the proof of delivery I have. I have attempted to contact and redispute and have never received a reason or proof of validation from any of them as to why I was denied. My reports don't contain the dispute statement either.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX sold off the debt for XXXX to a Collection Agency name XXXX XXXX XXXX XXXX Its showing as two different accts for the same debt. So both XXXX and XXXX is asking for the debt but XXXX no longer owns the debt yet it shows a balance and is currently reporting charge off. This is inaccurate reporting and I demand update or remove the XXXXXXXX XXXX  account immediately!
Consumer complaint received 2024-04-15
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. (GA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2024-04-15
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 writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ], I sent a letter to Experian notifying them of the reinsertion of XXXX, XXXX XXXX XXXX XXXXaccount number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian, has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| Experian, actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-04-15
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. (DE)

after receiving a notice from Experian stating that it updated my dispute as a completed investigation showing that this account is accurate and complete. Experian is in violation of not doing a proper investigation I asked them to provide me names titles phone numbers and addresses as to who exactly they spoke to to verify this account as accurate and or complete this is damaging to my credit report I'm having a difficult time obtaining credit please do a proper reinvestigation or delete this account if you do not have the means to properly reinvestigate.
Consumer complaint received 2024-04-15
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. (GA)

XXXX XXXX is reporting a credit card account on my credit file with XXXX, XXXX and Experian that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked Experian, XXXX and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account
Consumer complaint received 2024-04-16
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. (TN)

XXXX XXXX XXXXXXXX XXXX  Reported : XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Mortage company XXXX. Filed for XXXX XXXX XXXX XXXX XXXX XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, one is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Consumer complaint received 2024-04-15
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-15
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX I spoke with Equifax fraud department associate XXXX. I explained to her I needed access to my Equifax.com it was giving me an NH code. I explained that XXXX XXXX Card should not be on my credit file. 
This card was placed on my file XXXX in the amount of 0 as a charge off. My request was to have this credit card validated and not verified. I asked for the card to be validated with a written signature or an electronic signature. I also asked for the address to be validated on this account. I explained to this associate it is Defamation, Negligence, and supporting identify fraud. 

I explained XXXX and XXXX had to remove over XXXX different addresses on my account for which was Fraud. If this is not removed I am going to sue Equifax for data breach information and placing inaccurate information on my account.