davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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 reviewed my credit report in XXXX  2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After XXXX letters were sent ( in XXXX 2024 and XXXX 2024XX/XX/year> ) the information remains incorrect in my reports. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN has failed to conduct a proper investigation into derogatory account XXXX XXXX and XXXX XXXX XXXX.I have sent multiple disputes and requests for method of verification in accordance with 15 USC 1681i ( 7 ) which mandates that Experian provide me this information in 15 days or DELETE this erroneous, inaccurate, and incomplete accounts.Experian has sent me several " status '' letters acknowledging that they have received my disputes, but stating they think it was sent by someone else.I contacted Experian on XXXX, and XXXX over the phone and spoke to representatives and informed them that it is me who sent in the disputes, yet Experian continues to violate FCRA laws by continuing to report information that has yet to be verified.I have pointed out several FCRA violations.This is not another request for an investigation or an opportunity for Experian to attempt to correct any errors.This is a demand to DELETE derogatory accounts with XXXX XXXX and XXXX XXXX XXXX as they're are inaccurate, incomplete, and unverified hence why Experian has not sent me any method of verification or proof of these alleged debts.Experian AGAIN has updated these derogatory accounts to my credit report today which violates 15 USC 1681e ( b ) .Experian is to pay me {$1000.00} for these FCRA violations to be mailed to my address on file.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-03
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 disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX  XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FCRA 605B, I think, mandates us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-03
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. (NY)

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 on my Experian.
Consumer complaint received 2024-05-03
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: MOHELA (OH)

The ONLY acceptable resolution to this problem is a deletion of the trade line. They changed the reporting on XXXX to make it look even worse. Now, instead of a bunch of 120 day lates, there are a bunch of 150 day lates! This is pure retaliation and I'm considering hiring an attorney and letting them handle it. MOHELA IS VIOLATING FEDERAL LAW. I will continue to do a new complaint every month until this is resolved. It doesn't take 60 days to click a button to delete this fraudulent account. 
XXXX keeps validating it and not taking me seriously. 

I'm doing everything right and still being punished after I was promised this would be taken care of. Get rid of it now!
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Greetings, I have been a Bank of America customer for over 20 years. I have a checking, savings and two credit cards with the bank. Approximately two months ago I noticed that a new credit card ( specifically a XXXX XXXX XXXX credit card ) had been applied for and opened in my name without my consent. I immediately contacted the bank, and the account was closed. However, due to the breech I paid for credit monitoring services. I now realize that BofA opened this account without my consent. The bank had informed me that they would send me a copy of my application for the credit card. This was never received. I would like to be compensated for the dip in my credit score due to the new card being opened and the cost of the credit monitoring. 
Thank you.
Consumer complaint received 2024-05-03
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 am writing to formally dispute several inaccuracies on my Experian credit report ( XXXX XXXX ) and request the immediate removal of unauthorized hard inquiries and incorrectly reported account entries. Firstly, I contest the validity of XXXX separate hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as these were not authorized by me. Additionally, unauthorized inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should be removed as they are inaccuracies that unfairly impact my credit score. Regarding the account entries for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the reported details are incorrect. These accounts are inaccurately reporting negative statuses despite my full compliance with all credit terms prior to account closure. These inaccuracies fail to reflect the actual standing of these accounts, including incorrect reporting of dates and potentially duplicated entries. The persistence of these incorrect entries misrepresents my creditworthiness and could be seen as failing to adhere to fair credit reporting standards. I request a thorough investigation into these entries and their prompt correction or removal to accurately represent my financial history and restore my credit integrity.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX XXXX  I attempted to make a early payment on my Synchrony XXXX account ending in XXXX and found out the account had been closed! Please understand, I opened this account in XXXX and never had any late payments, with a credit limit of {$4500.00} and {$480.00} balance, as of my contacting Synchrony. I was informed that they reviewed my account and Synchrony Bank decided to close my account based on some information they received from XXXX XXXX XXXX XXXX. Synchrony alleged the following : Not enough balance paid down over time on real estate secured loans! 
Too many revolving accounts with high balance compared to credit limit! 
Delinquent or derogatory status on real estate secured loan is too recent! 
Unpaid collection! 
I informed Synchrony the information they alleged receiving was incorrect and inquired as to what accounts they were referring too! and as to why would that be a reason for closing my account with them. Synchrony informed me they wouldn't provide me with that information, i'de have to get that information from " XXXX XXXX XXXX XXXX after wards I could reapply for a new account! This response was unacceptable especially when I've had this account for the past 5 years with no late payments and the closing of my account effects my credit score. I want adjudication in this matter and the account reopened!
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My BOA XXXX XXXX  I have had for at least 15 years and the interest rate went from 15.74 % in XXXX of 2022 to over 19 % now. I have never been notified about the interest going up and I have tried to get BOA to lower the interest so I can get the bill under control. 
I have had to transfer money to other lower interest cards, but I can just transfer so much so I am stuck with this higher interest rate. My Interest rate was consistently 14-15 % from XX/XX/2022 back about 7-9 years. 
It is near to impossible to get out of debt when half your payment is going to interest. There are fees that they charged along the way here and there and I can not figure out why I was charged the fee. I have been a good customer and had good to great credit for many years. Pay on time. 

I also went from no fees for checking and savings to fees around the same time.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2 out of 3 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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-03
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)

This account was opened with XXXX in XX/XX/XXXX as a {$500.00} line of credit. The account was never late, and I complained to the creditor that it wasn't reporting or reflecting my timely payments to the bureaus, and my credit was getting impacted. The creditor explained that they are NOT a bank, and that they use a 3rd party to report and update all payments and credit updates. The process could take up to 30 - 60 days. 
I paid the balance of the account ( {$390.00} ) - in full on XX/XX/XXXX ( {$430.00} ) The account Balance was XXXX. As of today 's date XX/XX/XXXX ... the record in Experian has NOT been updated since XXXX XXXX, and continues to erroniously report a balance of {$390.00}. This afffects my debt-to-income ratio, and thus affects my score. 

I filed disputes in XXXX and XXXX with BOTH the creditor : " XXXX '' as well as with EXPERIAN. Neither accepted responsibility and instead pointed the finger and blamed each other. 
Experian concluded at the end of the XX/XX/XXXX Dispute that the balance is indeed XXXX, and that it was paid in full. ( Based upon my bank statements, and the screenshots from XXXX XXXX own User Portal. ) I asked for the 4th time for Experian to correct my report and back date it to reflect a XXXX balance. They refused stating that wasn't their " process '' and again opened a NEW dispute to verify with XXXX. 

I attempted to escalate the issue to their " Corporate Office '' or " Board of Directors '' a " VP of Customer Care '' or equivelent. The supposed supervisor I spoke with " XXXX '' - claimed he was the highest authority I could speak with ... and that everything stops and ends with him. There was no further or higher authority to go to in order to address this issue. An endless circle. So I am wishing to file suit on both, and I am seeking full damages in accordance with the FCRA.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-03
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.