davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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 hope this message finds you well. Despite our numerous previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove the accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (NC)

ALL these addresses are incorrect and never belonged to me. 
XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2023-09-15
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. (NY)

I am writing to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance : {$0.00} - Tied Up Issue Description : One of my XXXX XXXXXXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXX 's customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXX XXXX XXXX  commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing. 

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING WITH ACCOUNT # XXXX. And a balance of {$2000.00}. 
LVNV FUNDING is violating the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a. LVNV FUNDING is using there policies to answer my request, company policies are not LAW. 

LVNV FUNDING uses my information without my consent report inaccurate information to the credit bureau. The company erred and failed, and denied and ignored my request for a contract to prove that I give own them for any loan. 

I have the right as a consumer under the Fair Credit Reporting Act to request a copy of a contract with XXXX XXXX and LVNV FUNDING to proof that I owed them for any loan.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (PA)

On XX/XX/2021 factor trust report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My XXXX XXXX report shows on the same day XX/XX/2021 a hard inquiry from XXXX XXXX XXXX With the same incorrect information listed on my factor trust. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %
Consumer complaint received 2023-03-15
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)

I have contacted Experian once with no response and XXXX on XXXX  occasions since XX/XX/XXXX to dispute the accuracy of information shared on my credit report as I have not provided permission to defame my character regarding XXXX XXXX Bankruptcy that currently notes being Discharged by the XXXX XXXX XXXX New York on XX/XX/XXXX. I have since received responses from XXXX by mail dated XX/XX/XXXX and XX/XX/XXXX solely noting how their information is obtained and that they find it to be accurate.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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
Consumer complaint received 2024-05-16
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> "
Consumer complaint received 2023-09-15
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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
Consumer complaint received 2024-08-02
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-16
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. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

This past summer I was scammed out of {$14000.00} that was part of a larger ongoing scheme that defrauded me in the past. The people who did this were under indictment in NJ and were out on bail, traveled to Florida and started up their fraudulent schemes. They had a lot of my information so it seemed legitimate. When I got in touch with Chase, the bank that the fraudster deposited my funds into, they refused to actually deal with it. The fraudsters had multiple accounts at Chase and were laundering money through them as they did in NJ. Chase did nothing to stop this, and allowed the deposits with an account number or a signature, making it impossible to track down the fraudsters. The story is briefly outlined below. Chase should have known that this organization was under indictment, and protected me as well as worked with the bank that the money was transferred from to help them track down the fraudsters.
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (OH)

This is for an account I had with a previous landlord. XXXX XXXXXXXX XXXX XXXXXXXX Indiana. They have various parent company names. This account was created XXXX of XXXX. I paid the entire account {$2700.00} IN PERSON at the building to the leasing staff on XX/XX/XXXX. With a signature and I have that receipt. Since that date, XXXX XXXXXXXX via collection company Hunter Warfield have continued to call, mail, and email me stating there is an open balance for this account. I also have the receipt for the money orders and tracking information from XXXX XXXX and XXXX regarding the purchase. I sent this information in XXXX of XXXX stating that via service provider XXXX XXXX- XXXX XXXX XXXX that these money orders were all cashed. I dont know what they did with any of it. But they continue to pursue me for a collection I no longer owe. I have tried 3 times to call and resolve via Hunter Warfield and I still can not resolve anything. I have provided dates, receipts, signatures, tracking. As I said I paid in person the balance and still have issues. I will not continue to be harassed over a false debt.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-09-15
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-05-16
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-16
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)

This complaint is an update to a previous complaint submitted in XXXX of XXXX, complaint ID XXXX. 
Experian said that they reviewed my complaint and contacted the original creditor for information, stating that the original creditor supplied Experian with an investigation and Experian updated the information to my report. As of today, XX/XX/XXXX, Experian still shows the last update to this account was in XX/XX/XXXX. They did not correct incorrect information on my report, nor did they update my report as they said they would within the XXXX period. This is a blatant lie on their part in violation of the Fair Credit Reporting Act and a violation of my rights. Experian LIED about updating my report and did not update my report within the XXXX  days I filed my complaint.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.