davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (WA)

There is two collections in my credit report both from the same company XXXXXXXX XXXX XXXX  I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a collection from XXXX XXXX and XXXX on my TransUnion credit report. This collection account never had a application, nor did I have any kind of account with that company. How did they all of a sudden put Negative, damaging, and Not my collection from that company, onto my TransUnion credit report. 

I have put in Disputes after disputes with TransUnion. They are not looking into this collection and realizing that I never opened any account with this company PERIOD. 

I ask that this XXXX be removed from my TransUnion credit report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

i recently sent letters to the CRA 's reporting an inaccurate and incomplete account they are reporting on my credit report. 15 usc 1681e ( b ) states all information has to be 100 % accurate and complete before reporting. 

the following inaccurate and incomplete item is : Family support division XXXX I have attached a copy of each letter below for your reference
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc. (CA)

ON XX/XX/XXXX, XXXX Credit cards issued by XXXX with the same account Number were unknowingly opened in my name and was used for a short period of time one had a ending balance of {$160.00} and the next one had a ending balance of {$160.00}, I did not notice the charge offs and the false lease that ( XXXX XXXX ) placed on my report on XX/XX/XXXX until last year XXXX in XXXX, when I tried to apply for a XXXX XXXXXXXX card and was denied. I then noticed they have been reporting fraudulent information on my credit reports like the late payments and charge offs. The lease is still reporting back negative information and has a ending balance of {$1400.00} that's 3 derogatory accounts that's bringing down my XXXX score I have been working with the IRS and FTC to resolve this matter but have not got any real help, I would the credit bureaus to stop reporting fraudulent, inaccurate data to my reports, I also would like the CHARGE OFFS removed from my Credit report and the late payments reversed the false lease has a should not exist and its a real financial burden and I would like it removed from my credit report I am not claiming that debt and it should be VALIDATED DEBT and if its not should be removed completely.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (CA)

I have ask to three credit bureaus Equifax to verify the bankruptcy they are reporting on file. They have responded saying they have already verified it with XXXX XXXX. PLEASE find attached a copy of a letter sent to me by XXXX XXXX saying they do not have this information on my file.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-04
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. (NJ)

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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX al, has failed to prove that they are holders in due course of the orginal promissory note. The last two weeks, I recieved several letters all with diffrent quotes demanding that I pay the mortgage by way of direct wire transfer or by cashers checks only. XXXX XXXX has removed me from all their digital platforms continues to send emails and secure messages they know I can not open and read. In addition to this I recieve letters that have diffrent pay of quotes and multiple diffrent charges attached. XXXX and XXXX principles are not being followed. Payment has been tendered as special deposit only. XXXX XXXX in response to this complaint is required to provide the time the note was placed into the XXXX after it was made into a security and who the trustee is that currently is the holder of the note. This information will be shared with the credit reporting agencies as well. XXXX XXXX has failed to respond to my request to validate the debt and will not address any subtantial questions asked.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2024-05-04
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 hope this message finds you well. I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my credit file, despite my tenth attempt to rectify the situation. Despite providing extensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$650.00} CITICARDS XXXX XXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, T XXXX
Consumer complaint received 2024-05-04
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 Did not consent these unauthorized inquiries and inaccurate address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

XXXX - Submit LexisNexis Consumer Report dispute and LexisNexis State Disclosure dispute via online portal. Case Number : XXXX Both reports contain fraudulent and incorrect name, address, phone, business association, email, marketing, property deed, insurance, inquiry, digital idenitty, and ID analytics records. 

Proof of identity - passport, and proof of address - utility bill, were provided. 

XXXX LexisNexis email response - refual to process dispute, request additional proof of identity. 

Proof of identity and address were previously provided, I am not required to provide any additional documentation for the dispute to be processed. 

California Privacy Act and Fair Credit Reporting Act require LexisNexis to process the dispute and remove the errors and fraudulent information.
Consumer complaint received 2023-12-20
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. (MO)

Experian closed XXXX complaints yestday and starts today at XXXX closing complaints all complaints closed did NOT address any issues but once again give ridiculous explanations that have absolutely nothing to do with the problem
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT claims they have the right to communicate with me via my consumer report however Congress clearly states in 15 usc 1692c that the debt collector may not communicate with a consumer at any time or place to be inconvenient to the consumer. They claim they sent me a letter informing me of my ability to opt out of any sharing of my non public personal information but I never received such letter and this would have to be proven via a signed certitudes mail receipt showing I received such communication that is required by thE GLBA. In addition the debt collector must cease and desist ALL communication across ALL mediums. My consumer report is considered a medium of communication. MIDLAND CREDIT MANAGEMENT also claims communication does not include consumer reports which is false. IT DOES INCLUDE NOT COMMUNICATING THROUGH MY CONSUMER REPORT. I demand MIDLAND CREDIT MANAGEMENT cease and desist this deformation of my character on my consumer report or I will seek legal remedy that I am owed in the form of {$1000.00} per FCRA violation. This is my last time communicating this to midland before I file a civil lawsuit against you for damages caused by these actions.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Accounts XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states XXXX have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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
Consumer complaint received 2024-05-28
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. (GA)

XXXX, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating the FCRA ,
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX, XXXX and Experian are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.
Consumer complaint received 2024-05-04
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 recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-04
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. (MI)

Hello, I have obtained a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts immediately from my credit report as they hurting my ability to obtain new credit. Thank you for your time and consideration.
Consumer complaint received 2024-05-04
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report.

OFFICE OF THE ATTY GEN XXXX Balance : {$17000.00} ATTORNEY GENERAL-CHI XXXX Balance : {$17000.00} OAG CHILD SUPPORT ENFORE XXXX Balance : {$17000.00}
Consumer complaint received 2024-05-04
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)

Ive reach to XXXX to correct student loan report on my Experian credit report since I no longer owe them anymore because another student loan servicer name XXXX took over the loan. All balances were transferred over. Unfortunately XXXX still reporting to Experian that I owe them when in fact I have proof that I no longer owe XXXX and everything was transferred over to XXXX. I called XXXX and they were supposed to take care of this matter over 4 months ago. Unfortunately they failed to do so. Ive also disputed this matter with Experian over 3 times and they also failed to correct the issue even though I provided proof/evidence. They still failed to correct the issue.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-11
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: AMERICAN EXPRESS COMPANY (TX)

There is a fraudulent credit card account with Amex that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with XXXX and Amex when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both XXXX and Amex have denied accountability by directing my inquiry/ dispute to the other. Amex customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. XXXX denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.
Consumer complaint received 2024-05-04
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)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-05-04
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)

It's my understanding that FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of their reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-04
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)

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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX