davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01
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)

Have Tried Every possible way to cooperate with Clarity Services and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Consumer complaint received 2024-04-10
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. (KY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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)

PLEASE SEE ATTACHED!!! 

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (AL)

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, Experian, XXXX, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX  did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX  Accounts to third parties.
Consumer complaint received 2024-04-10
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. (KY)

Violations of the Federal Credit Reporting Act - 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] - 15 U.S. Code 6801 - 12 CFR 1016.7 - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-10
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. (GA)

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and XXXX CFR Part XXXX Regulation V, I request that you provide me with physical evidence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX 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 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CrossCountry Mortgage LLC (PA)

On XX/XX/XXXX I was told that underwriting denied my loan due to the amount of reserves and there belief it was proceeds from a loan in spite of the fact I had provided more than enough documentation to show that the funds in my account were not from any loan. Additionally, I was told that I needed 3 months of reserves which I have demonstrated. In the processing of my application they failed apply the protections and or consideration of the XXXX XXXX XXXX XXXX as I showed them that I am a survivor on XXXX XXXXXXXX and the bankruptcy that filed was due to that XXXX XXXXXXXX. I should them documentation that I have paid 100 % of the debts in the bankruptcy and that it was in fact discharged.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

EdFinancial Services has been transitioning into their new system. I made a payment to pay off three loans in XXXX. There was no issue with the payment or it being applied to my account. Now that payments are set to be due in XXXX, there is no online payment functionality to be found. My account keeps showing a XXXX dollar balance even though I have multiple loans accruing interest at this point. I can't make a payment at all. I have tried contacting the company through phone lines, but never get through. I have sent an email from their site. I have tried using their chatbots to get ahold of someone. This is completely unacceptable.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and seek your immediate intervention to rectify it. The companies associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or information from me to expedite this process, please let me know. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (PA)

On XX/XX/XXXX, Equifax sent an email notifying me of a hard inquiry on my credit report from XXXX XXXX. I called XXXX XXXX  immediately to notify them that I did not authorize the inquiry. They told me they had no record of the inquiry. I then logged into my Equifax account to dispute the inquiry. On XX/XX/XXXX, I was notified that they ruled that the inquiry was valid. I called them today ( XX/XX/XXXX ) and they told me I needed file a clain with the FTC and submit documentation to them for the inquiry to be removed.
Consumer complaint received 2024-04-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2024-04-10
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)

Since XX/XX/XXXX I have tried to solve a problem that I have with this company, where Experian on multiple occasions, they have sent me that the information is correct and accurate. 

I am attaching information where you can show in detail what I have repeatedly wanted this company, together with Experian, to solve. 

Any information that is reported in the personal credit must be accurate and precise as established by the FCRA, and the information for more than 8 months has been inaccurate negatively affecting my credit report and affecting my finances. 

The account was always paid on time and said company in the payment history from XX/XX/XXXX to XXXX of the same year did not obtain any type of payment history, so request that this information be verified and updated since the account was paid and was never in XXXX. 

I ask that an investigation be opened so that Experian, as responsible for sharing information in the credit, share correct and accurate information and that if this information can not be verified it is removed and do not continue to affect my credit in the way they do.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (LA)

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 2023-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (WV)

Chime Bank was due to reimburse me for my account being hacked. They have sent me two fake checks back to back. I need to pay my bills. They have lied to me since XXXX. Very rude unprofessional people. I opened this account in XXXX. My card was activated in XXXX. I never received my physical card. I got one the middle of XXXX. They closed my account out and drew these checks on XXXX XXXX XXXXXXXX knowing they were fake. I have never seen a financial institution due anything fraudulent like this. I have all the emails from them. I need my money refunded asap/
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-04-10
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (FL)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-04-10
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. (TN)

I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX XXXX XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX  report as account number : XXXX XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX, account number : XXXX Dates of last activity for XXXX XX/XX/XXXX XXXX EXPERIAN XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX account number : dates of last activity are for XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.
Consumer complaint received 2023-11-10
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2024-04-10
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Failure to Comply or delete these items. 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 

( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Please Remove this on my Credit Report
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I checked my credit report XX/XX/2022 and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.