davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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. (FL)

i have recently been a member of identity theft and these are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE ATTACHMENTS
Consumer complaint received 2024-04-23
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-09-05
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. (PA)

I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (IL)

Credit karma has the We find a loan, credit card, housing, we find with your credit score to match you so you can apply. They have ran intense credit reports almost daily for over a year and wont stop. I even have companies show up on my hard inqiory credit score I didn't even approve off and is ruining my credit. I went from almost XXXX score down to XXXX because of them.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian regarding their failure to conduct a reasonable investigation into inaccurate items on my credit report, as well as their refusal to address incorrect personal information despite providing the necessary documentation for verification. 

On XX/XX/XXXX, I sent a dispute letter to Experian via XXXX mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In the dispute letter, I requested an investigation into inaccurate items on my credit report and also disputed the incorrect personal information listed therein. Along with the dispute letter, I provided copies of my photo ID, social security card, and a recent bill showing my current address to aid Experian in verifying my identity and address. 

I received a response back from Experian dated XX/XX/XXXX, via email stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite providing all necessary documentation, Experian has failed to conduct a thorough investigation into the disputed items on my credit report. This failure to act in accordance with the Fair Credit Reporting Act constitutes a violation of my consumer rights. 

Furthermore, Experian is obligated to adhere strictly to the provisions outlined in the FCRA to prevent future violations of consumer rights. This entails conducting thorough investigations into disputed items and providing accurate and timely responses to consumer inquiries.
Consumer complaint received 2024-04-23
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. (DE)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-23
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX CHILDSUPPORT XXXX
Consumer complaint received 2024-04-29
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. (NY)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-23
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. (GA)

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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2024-04-23
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. (NY)

I have received my credit report which suggests that I may  have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

my credit report shows XXXXXXXX XXXX reported that the account was opened on XXXX account # XXXX how can that be when they also reported that my last payment was on XXXX this is clearly in violation violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). Also they did it again with another account with the account number being XXXX they reported that the account was opened on XX/XX/XXXX but they also reported that the Date of Last Payment was on XX/XX/XXXX I demand that this accounts to be removed from my credit report Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also the information is False and inaccurate the date open on my credit account is inaccurate
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IL)

The companies Zions Debt Holdings LLC nor XXXX NEVER responded with documentation that I incurred this debt nor that I requested or applied for credit for this debt. I NEVER had any contact, applied for credit or incurred debt in any way with this company or any company associated with this debt. Zions Debt Holdings LLC nor XXXX has provided any documentation to substantiate or validate that I provided any personal identifying information ( PII ), any signatures, or that I was ever present with any representatives of the company to incur this debt. I requested evidence on several occasions and the company has failed to provide any viable documentation. There are no credit inquiries from any of the big XXXX credit reporting agencies. I have never signed any document or provided my consent to request credit or to incur this debt and I have NEVER never provided any PII to this company or any of its associated companies.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (OH)

On Saturday, XXXX XXXX XXXX a XXXX to XXXX transaction was initiated at a XXXX. The amount was for {$300.00} to be transfered, so {$300.00} was paid. Leaving {$8.00} for the fee. This transfer was being made by an older gentleman that does not understand today 's technology, so he used cash and trusted that the employee. When the reciever went to pick up the {$300.00}, they were told they could not have the money and it was on hold. The seller ( the older gentleman was supposed to call XXXX to find out why. The computer system for that number makes it extremely difficult to get someone on the phone. The sender tried many times. After the reciever called that number 3 times they finally gave a number that would be answered by a person. That number only rang and rang. After XXXX hours of trying to figure out where this stolen money was now at and how to get it back the sender finally got ahold of a person. That person, an emplyee of RIA then began to ask him questions of what would be done with the money by the reciever. Then questions about using it to buy drugs. There is no reason that a money transfer place should be accusing an older gentleman that he is buying drugs because he used cash like in " the old days ''. This was a family member to family member transaction that took over XXXX hours to complete when it should have taken XXXX minutes, due to what? A random " survey " as RIA stated. There is no compensation to made for these acts. I was also informed that the XXXX employee was supposed to make that call to begin with. A customer should not be given that number. This was unexceptable and should be against the law. I d
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Dear Equifax Dispute Department, I am writing to formally dispute the reporting of a collection account from XXXX that is currently listed on my Equifax credit report. This account was removed from my XXXX credit report on XX/XX/year>, after it was determined to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax delete this account from my credit report to ensure the accuracy and integrity of the information being reported. 

The FCRA mandates that credit reporting agencies must report only accurate and up-to-date information. Since XXXX has already verified the inaccuracy of this collection account and subsequently removed it from my credit report, I request that Equifax take the necessary steps to correct my report by deleting this account. 

I have attached a copy of my XXXX credit report, showing the deletion of the XXXX collection account as of XX/XX/year>. I kindly ask that you investigate this matter promptly and confirm the removal of this account from my Equifax credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and confirmation of the deletion. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

These inquiries were made on my Equifax credit report without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX