davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My credit report shows I was XXXX days late XX/XX/year>XXXX XXXX XXXX  days late XX/XX/year> for account # XXXXXXXX XXXX XXXXXXXX I have never been late on this account since opened. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. The account above was never late and should be listed as current for the months listed.
Consumer complaint received 2024-04-08
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. (PA)

I have contacted the credit bureaus about removing this XXXX XXXX XXXX XXXX account multiple times I have called wrote letters to there dispute center and everything this account is reporting inaccurate information on my credit report and it is greatly affecting my credit report XXXX, XXXX, & Experian are supposed to me on my side and resolve this issue but they are giving me such a hard time.
Consumer complaint received 2024-04-08
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX 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 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I recently contacted XXXX XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (UT)

They constantly keep contacting me. I had a friend and me sign up for a gym membership. She signed as my adult. I stopped going because it wasnt fit for me. I then cancelled my membership online and deleted the app. Then out of no where I owe XXXX $ and I tried to contact them and they were so rude. I just wanted verification and whatnot. They then proceeded to sound irritated with me and like I was an inconvenience or incompetent of understanding. I kept asking for someone else because he was so rude. And he just kept repeating the same thing over and over again that I owe money and theirs other ways to send it in. I asked for proof or verification and they ignored me.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I contacted Capital One and informed the company that my identity had been stolen and someone not by my authority, consent or knowledge made unauthorized transactions to my account as a direct result of my identity being stolen. For my protection of further damages I voluntarily requested the closure of my accounts that were compromised. Today I learned that theres another card baring the transactions of my closed account. I immediately informed representatives that my account with my card number is closed and I do not know where the new account and card number comes from and I do not have the card on file in my possession. I did not apply for a new account/card. I additionally requested a copy of banking statements. I spoke with a representative by the name of XXXX. XXXX took note of the transactions identified by me that were not made or authorized by me. XXXX transferred me to XXXX who was to give me access to temporary credit to my account because my account was closed. XXXX had me explain the conversation with XXXX. Without hesitation I provided XXXX which I was also told was the fraud department all the information I provided to XXXX including informing both representatives of my previous report of identity theft to Capital One including my police report and FTC report upon request. XXXX then advises that he is not the fraud department and transferred me to XXXX. XXXX had me explain to her everything again. I did so. XXXX asked what was I requesting. I informed XXXX of my request to utilize my temporary credit that was placed onto my account per XXXX. XXXX claimed she could not give me access to my funds which I informed her of prior process which this was the report of identity theft. I recently lost a child and today I am well enough to report additional thefts. XXXX transferred me to banking who stated she should not have transferred me there. The phone disconnected while I was on hold. I immediately received an email from Capital One saying my account was investigated and I am responsible for the charges I identified as unauthorized. Although identifying the unauthorized charges and offering law enforcement reports of the theft Capital One did not properly investigate my report.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I applied on my first Amex platinum card with a sign up bonus of XXXX. Got excited and was approved. I called them multiple times that if bonus of XXXX was true. Representatives confirmed it and i am eligible. Despite heavy annual fee and a spend of XXXX requirement bonus, i obliged to meet it after 3 months. I followed up with them and told me without a notice that i am not eligible for the bonus. 
I am devastated, i work hard for this bonus. I spend tons of money plus the heavy annual fee. I could have used my money and time with other cards if i wasnt eligible. I know for the fact that its my first time with the card to earn the bonus. Amex didnt even bother to email me after the escalation. 
I beleive i deserve that bonus legally and i have screenshots submitted to them that i could receive the bonus on my application. 
Hoping for the outside help.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

I recently reviewed my credit report and noticed I had addresses that don't belong to me. 
These are the addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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. (RI)

Delete hard Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX Bank XXXX  Cards XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian 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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below.
Consumer complaint received 2022-10-10
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. (TX)

Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-08
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. (AR)

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX XXXXXXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX XXXXXXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX XXXXXXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXXXXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MD)

Hey i recently sent in a lot of letters starting all the way back from XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX and im still in the process of getting all of the negative items off my credit report. The credit bureaus keep sending me " stall letters '' in the mail and " verification '' letters and i recently sent them a " method of verification '' letter in the mail and a " failure to respond '' letter also in the mail since they didnt respond to the letters i sent all the way back in XX/XX/XXXX, so i dont know what to do at this poin. I would really appreciate your help at this point. Thankyou for your time and have a wonderful day.
Consumer complaint received 2023-04-28
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)

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Consumer complaint received 2024-04-08
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. (DE)

XXXX, Experian, and XXXX have taken over 4 business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/year>. I sent certified tracking to make sure : XXXX XXXX XXXX. I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (PR)

On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX.  After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.