davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-04-24
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-03-12
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute incorrect social security number, another persons name, accounts in collections, and inquiries that are falsely listed on my credit report with your bureau. The following items are clearly fraudulent and are affecting my credit scores. I have claimed fraud on numerous occasions and your company is reporting another social security number that is not mine, and another persons name. According to the Fair Credit Reporting Act, legally the following incorrect information is not valid should be removed immediately : THIS IS NOT MY SOCIAL OR NAME Incorrect Social Security Number : ending in XXXX Incorrect Name : XXXX XXXX XXXX I DO NOT HAVE KNOWLEDGE OF THESE ACCOUNTS Party Owed : XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX ) Amount : {$540.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX ) Amount : {$110.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXXXXXX Amount : {$1100.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX Amount : {$0.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$2100.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX  Amount : {$0.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX XXXX  Amount : {$0.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$510.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$2200.00} Partial Account Number from Credit Report : XXXX. 

INQUIRIES I DID NOT AUTHORIZE Creditor Name : XXXX XXXXXXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Type of Business : Auto Dealers, Used Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : THE AFORMENTIONED SOCIAL SECURITY NUMBER, NAME, COLLECTION ACCOUNTS AND INQUIRIES ARE INCORRECT AND I HAVE NO KNOWLEDGE OF THEM. THEY FRAUDLENT AND INCORRECTLY REPORTING AND I AM REQUESTING THAT ALL BE REMOVED IMMEDIATELY. I HAVE FILED A DISPUTE WITH CFPB THAT THE PREVIOUS SOCIAL SECURITY NUMBER, INCORRECT NAME, AND ACCOUNTS ARE FRAUDLENT. 

This is my official request to have the aforementioned items to be deleted off my credit report. Enclosed maybe additional evidence to support my claim.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently paid my card in full and requested that the latest interest charge and cash advance interest charge be refunded. Almost all banks refund the latest interest charges when the balance is paid in full. When calling in today, I was told the system rejected a refund option and that they can not override it as the charges are valid - yes, the charges are valid, but in a case where the entire balance is paid, there should be consideration or grace ( like other major banks ) regarding the same. I want to ensure that Capital One is doing everything in their power regarding these fees in light of paying the entire balance.
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-12
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. (NY)

I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. Thank you!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-24
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-04-24
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. (NV)

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 2023-03-12
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)

In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX and 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
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (VA)

During the XXXX of XXXX I was locked in on XXXX  down with contract cavana racially profiled me discriminated canceled my order and my terms went to XXXX down after my vehicle was suppose to be delivered on the XXXX o loss XXXX dollars to insurance
Consumer complaint received 2024-04-24
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation.I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cedars Business Services, LLC (LA)

Purchased a mirror from XXXX. It arrived damaged. I reported it on the XXXX  app. It told me to add pictures of the damaged item ( and to my knowledge after the fact I uploaded the wrong picture of another mirror ) nevertheless the system generated a refund and told me to donate or dispose of the item. Almost 4 months after, im contacted by XXXX  stating they are reversing the charge because pictures didnt depict damage & then threatened to call the police on me for submitting a fraudulent delivery issue, solely based on the wrong pictures provided. Card they kept trying to charge had new expiration date and wouldnt go through on XXXX  end. They submitted to debt collector. I disputed with debt collector, debt collector is telling me same thing XXXX  is and unless I can return the item ( which was thrown away due to broken glass ) or send them the pictures of damage ( which after 4 months and being refunded immediately I deleted the picture ) then I am still responsible for this charge and have to pay it. XXXX should of noticed this within 30 days of refund given and not 4 months later and still expect me to be liable for a damaged item. Its XXXX  system that refunded me. Change the system and dont offer refunds so easily and then tell a customer to donate or dispose of the item. Even if I had uploaded the correct picture the system still would of told me to dispose of the item. I even offered for them to send a police officer into my home to see if the item was here, because it is not and that wasnt sufficient enough for them.
Consumer complaint received 2024-04-24
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. (CA)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2024-04-24
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. (TX)

The following information needs to be investigated.I d I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. id not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint.
Consumer complaint received 2023-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My XXXX loans were transferred to MOHELA in XX/XX/XXXX while I was in the process of applying for TEPSLF. I have 174 eligible payments ( only need 120 ), but only 31 have my employment certified. My form to certify the remaining was submitted on XX/XX/XXXX. It has twice been erroneously processed by MOHELA. After requesting it to be reprocessed, waiting for the second 90 day processing period, and receiving a 2nd rejection based on their error, I called MOHELA to speak to a supervisor on XX/XX/XXXX. This supervisor, XXXX, looked at my XX/XX/XXXX submitted form and agreed there was nothing wrong with anything on it. She made notes on my account, and put it forward to be reprocessed in 3 business days. Its been 11 business days since then. I called to check on it and was told by the person at MOHELA that yeah, it shows its still open. Were not really processing things on that 3 day timeline. 

I initially started this process in XX/XX/XXXX with XXXX and since everything was transferred to MOHELA they have continuously and WRONGLY processed my form. I have been very patient up until now, but this is significantly impacting my financial well-being by keeping {$130000.00} on my credit report while repeatedly making errors in the processing of my account for almost 8 months.