davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXXXXXX XXXX XXXX  XXXXThis inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXXXX/XX/XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-04-20
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)

I noticed fraudulent accounts on my credit reports so I contacted the credit bureaus about it and requested an investigation. That was 60 days ago. They failed to investigate the matter and failed to remove the fraudulent accounts and provide the results of their investigation.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-20
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. (MS)

Experian continues to fraudulently reported a credit card account that does not belong to me. This account XXXX ( Account # XXXX ) in the amount of {$4500.00} was not initiated by me the consumer and so it is a fraudulent account. I need it to be removed, I am suffering damage to my reputation and its disturbing my ability to operate in the world as a consumer.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To my complete disbelief, I found inaccurate accounts on my credit report this evening, and I have no idea how or why theyre there. I check my report regularly, and never have I seen these kinds of discrepancies appear out of the blue. I even refreshed my browser multiple times, hoping it was some kind of mistake, but the incorrect accounts stayed there. I need the documents Ive sent to be thoroughly reviewed so I can finally have peace of mind that this wont happen again.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX ) XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2024-04-20
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. (CA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OR)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. There is a fraudulent account in my profile that i want to remove as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

In deliquency right now. Trying to make some payments but due to health issues I am not able to make the current amount. Need some help spreading out the payments or figuring out something. They won't help me.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX ACCOUNT # XXXX I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. In accordance with 15 U.S. Code 1692 ( g ), I am entitled to request verification of this debt, including a copy of the original creditor 's agreement. Until such time that you provide this documentation, I do not acknowledge the validity of the claimed debt.

Additionally, if you are asserting that I owe this debt to the original creditor, I request further proof, specifically documentation containing my written signature that explicitly acknowledges my agreement to be financially responsible for this debt. A simple statement or summary is insufficient ; I am requesting actual proof of the signed contract or agreement that binds me to the alleged obligation.

Without this proof, you are not legally permitted to pursue collections, report negative information to credit bureaus, or continue to contact me regarding this matter. Failure to provide this documentation will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I reserve the right to pursue all legal remedies available to me.

In addition, I have noted that you have been reporting negatively on this account to credit reporting agencies, despite not having validated the debt. This not only negatively impacts my creditworthiness but also makes it difficult for me to obtain any form of credit. Your continued negative reporting without validation is damaging and constitutes false and misleading information in violation of 15 U.S. Code 1692 ( e ).

Your constant phone calls and emails, despite my previous requests to cease communication, have caused me significant distress and violate 15 U.S. Code 1692 ( c ). I demand that you cease all forms of communication with me except for providing the requested validation or informing me of legal actions.

Please be advised that I am fully aware of my rights under the FDCPA, and I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and reporting this behavior to the credit bureaus, should this harassment and negative reporting continue without proper validation.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (GA)

Please remove the following inquiries because I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I recently pulled my credit report and noticed inaccurate information being reported by Experian from an alleged account XXXX XXXX XXXX XXXX XXXXXXXX. Experian is reporting that the account was closed XX/XX/2023 until now, while XXXX is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand 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. with this, Experian is not following the consumer right law and I would like for this information to be DELETED immediately.
Consumer complaint received 2024-04-19
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. (IL)

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 2024-04-20
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
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. (TX)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (MI)

Homeonwber insurance I left my home without homeowner insurance for 29 days then my Mortgage company is charging me {$180.00} when I am paying only {$100.00} per month, so this is extremely high. Somebody can do something in this sense and stop this kind of contract and have a better regulation for the CONSUMERS!!! not for the lenders? 

It might not have any effect in this matter but I hope many people get informed about this Thank you, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Exsprian credit reporting company l have had on going disputes has not yet been resolved. against a companies name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company had huge settlement in pass against this Company in tName changed this. Company XXXX XXXX XXXX XXXX XXXX ) well known things such as overpayment. Inaccurate payments reporting .which l have provided enough evidence. that changes on my account should been made .l have payed on time to XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX my credit score were decreased due to this inaccurate reporting Experian requested month of XX/XX/year> Experian. Credit report .provide evidence that payments history were made. Full. Which l Provided print out months l made these payments payed in full. Insteadcharges made on my account months questions XXXX XXXX XXXX XXXX .l received nothing but ongoing disputes. My attorney XXXX XXXX firm requested aswell. XX/XX/year>. I received another result letter which again .stated incorrect information reported by XXXX XXXX XXXX XXXX XXXX Instead of Experian making nessary changes that was question the months missing off the report again XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that not accurate finding this inaccurate information .Which has caused negative change in the credit scores I been paying working on for my scores to increased .. not show range same every month. Which has been question about Experian. Credit reporting regarding my scores arrange same every month after hire credit specialist
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. XXXX accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization. 

In this context, I'd like to highlight the case of XXXX XXXX XXXX XXXX Federal Trade Commission ( XXXX XXXX XXXXXXXX XXXX ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent.

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent.

5. Provide me with a free copy of my credit report showing these corrections.

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me.

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 15USC 1681. 

XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

1

5 U.S.C 1681 section 602 A. States I have a 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.