davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NJ)

My rights have been violated by XXXX XXXX and Experian. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX 2020
Consumer complaint received 2023-05-01
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)

Re : Disputing Fraudulent XXXX XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have XXXX from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted XXXX, Transunion and XXXX on more than one occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XXXX XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. XXXX has yet to address these matters.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The following account XXXX XXXX XXXX listed on my Experian credit report has missing/incorrect account information. The following errors are listed : 1. This Individual account which was included in the bankruptcy is still appearing on the report after seven years. In both XXXX XXXX and XXXX XXXX bankruptcies, the individual affected accounts can only impact a report for seven years starting from the original delinquency date. 

The original delinquency date was in XX/XX/2016 ( see attached ). The creditor is reporting this account with missing information ( actual delinquency date, original balance, payments made, etc ) - because they are NOT the original creditor and as such, they can not list correct information which they dont have. 

This account has numerous errors so why is this account still on my report?
Consumer complaint received 2024-05-08
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. (RI)

XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX$530.00} these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication XXXX692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

please remove this information off my report.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

I am submitting this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I would like to dispute the following items off my credit report : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (OH)

I applied for a Business credit card XXXX months ago. Keep in mind that I have had a personal CC with them for many years. They have been stringing me along with verification. They say the docs are not legible. So I sent them a different form of ID and then they ask for something else like a bank statement or utility bill. Then something else. Then they go back and say they need my DL all over again which was fine the first time I sent it to them. It's total insanity and I have spent hours on phone. Plus you can not reach anyone because there is no direct line to verify they received your info. It's a minimum XXXX hour every attempt to reach anyone. I have faxed the info, mailed the info and I am already a client so they have my information on file anyway. 

I just talked with a lady today who said they need my tax forms which were faxed to them on XX/XX/XXXX. Note : I originally sent the taxes a month ago and they weren't signed. So they asked me to resend a signed copy. At that time they were OK with everything else required except the tax return. After faxing them my taxes AND everything again ( just in case ) now they are saying they received everything but my taxes??? 

They received one piece of info but not the other? That's hard to believe since it was all in ONE fax. So after another hour on the phone the lady tells me she needs a copy of my DL ( which I have sent XXXX - and they even said they have it on file ) and my taxes ( which I faxed with the utility bill they received on XX/XX/XXXX ). 

I ended the call with her but I forgot to ask a question. So I call right back and talk with a lady who tells me that the application is no longer valid and they will not reopen it. DECLINED. She transfers me to an application department where they can not help me and just want to take a new application. That has happened to me several times over this XXXX month process.
Consumer complaint received 2024-05-08
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. (GA)

ACCORDING TO 15 USC 1692g COLLECTIONS NEED TO BE REMOVED FOR MY ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1681S-2 CHARGES OFF NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1666B ALL LATE PAYMENTS NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ALSO MY LEGAL TEAM HAS ALREADY STARTED FILING LAW SUITS FOR EACH VIOLATION FOR EACH CREDIT BUREAU.CFPB ALREADY KNOWS ABOUT MY INFORMATION BEING LEAKED/STOLEN/USED FOR FRAUDULENT ACTIVITY SO I AM ASKING YALL TO PLEASE USE THE AUTHORITY YALL HAVE AND MAKE THESE REPORTING AGENCY 'S ABIDE BYE OUR US LAWS AND GET THIS FRAUDULENT ACTIVITY OFF MY CREDIT REPORT IMMEDIATELY.THANK YOU ACCORDING TO 15 USC CODE
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX TransUnion and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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: CITIBANK, N.A. (NY)

I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. I demand that they're removed immediately! By law, I have the right to do so and I demand for that to happen ( 15 U.S. Code 1681i, Paragraph 5 ) with Credit Suppression added to my credit profile within 30 days of this matter being opened. I DO acknowledge the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and was approved for a line of credit {$750.00}. I can NOT acknowledge these three inquiries below and once again I DEMAND they're taken off my credit report. This is a cold sense of Defamation of Character due to me having these unknown/unauthorized inquiries on my credit report it seems as if I've been applying for things in a earlier stage than I was suppose to and I am very responsible credit holder. Please understand the severity of the situation and complete the deletion of these inquiries, Thank you! I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. 

Law Backing Truth : ( 15 U.S. Code 1681i, Paragraph 5 ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-05-08
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)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Consumer Relations, I am writing to request a security freeze on my LexisNexis consumer report. My consumer report. I understand that LexisNexis allows consumers to place a security freeze on their reports to prevent unauthorized access and potential identity theft. 

Please process this request promptly and confirm once the security freeze has been successfully applied. If you require any further information or documentation, please do not hesitate to contact me at the address, email, or phone number provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP (NC)

The office manager of Republic Finance, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC. XXXX contacted my brother, who is not a co-signer of my personal loan with Republic Finance. I told Republic that I was having to file bankruptcy due to a loss of income some months ago. The office manager recently called my brother trying to get me to call back. The office manager preceded to tell my brother that I am filing bankruptcy. My brother did not know That I was filing bankruptcy until the office manager told him. She also told him the amount I owe, which she should have not shared with anyone. She preceded to try to receive a payment from my brother for my account. The office manger violated the Fair Collections Act. Please hold the office manager and Republic Finance accountable for this offense.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (TX)

I have repeatedly reported identity theft but they refuse to remove account as per XXXX XXXX XXXX XXXX bank they refuse to disclose results of thier investigations I have been a victim of multiple data leaks in witch cause my identity theft In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose