davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (CA)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from 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
Consumer complaint received 2024-05-09
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. (CA)

This account was charged off on the following date : ( XXXX, 2022 ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Consumer complaint received 2024-06-22
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. (LA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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 am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts was CHARGED OFF. These accounts has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates In payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX  ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report immediately. 



Ive also found inaccuracies in the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

As stated above According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

Furthermore, I'm aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a certificate of financing statement form from XXXX XXXX XXXX XXXX. Search criteria shows no results found for me to pay any financial. As the concerned consumer there shouldn't be debt that does not belong to me reporting on my consumer report.
Consumer complaint received 2018-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration (TX)

Person said he was law official ready to pick me up tomorrow, papers have been filed with XXXX county and will be arrested at my work place. I called back the number and asked why the phone calls to my parents, my work and myself today. Person on phone was rude and put me on hold, I waited 5 minutes and no one return. It looks to be a scam for debt collections, if so I was willing to pay as for I am in process of clearing all my debt and have 2 left on my account. I am not sure if its the account, but they would not even give me a choice to ask why they are calling me. They threaten my dad that if I don't call by XXXX today, all prosecution will take place. I have the recording they sent to my work too.
Consumer complaint received 2024-05-09
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
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)

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX  XXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Consumer complaint received 2023-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

When I received my Annual Escrow Account Disclosure Statement, I discovered that my Hazard Insurance and my City Taxes had increase, which totaled approximately {$900.00}. This obviously meant that my monthly escrow payment would increase. In reviewing the statement closer, I also discovered that my hazard insurance had been paid twice during XXXX fiscal year, essentially eating up my entire escrow and taking me into the red. 

Further, I have been told by several representatives that my hazard insurance was {$800.00} last year and essentially that amount was what was slated to paid. My hazard insurance payment has never been less than {$1000.00} since XX/XX/XXXX. In XX/XX/XXXX, prior to the last years yearly analysis, the amount of the insurance increased to {$1700.00}. When I asked why there was only {$800.00} slated for my insurance, I was told because that was how much the bill was last year. Clearly, it was not ( please see attached ). These errors have cause a {$400.00} mortgage increase, as I have arrearages, as well as an additional cost to cover the increase in my taxes and insurance. 

After attempting to get to the bottom of this issue and come up with a resolution ( as I can not afford a {$400.00} mortgage increase ). I reached to Huntington Bank on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX : XX/XX/XXXX ( this date is approximate ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Eventually, I was told I needed to speak to the Escrow Escalation department and was transferred. I left a messages on XX/XX/XXXX and XX/XX/XXXX because when I was transferred the call went straight to voicemail on both occasions. I left my name, contact information, and loan number the first time and then added the property address the second time. I have yet to receive a return call. Clearly, the individuals handing my escrow account fail to pay attention to basic billing and I should not have to pay the consequences of someone elses foul up. My payment was due on the XX/XX/XXXX and the longer this issue lingers on, the more likely I am to be late on my mortgage payment, which I never have. I also think its unfair that my credit has been affected as the arrearage was added to my loan amount.
Consumer complaint received 2024-06-22
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. (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 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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. (FL)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 
Please investigate the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me? 
As I stated, I have already given your company quite enough time to investigate the items inquestion, but I am willing to give you one more chance. If I do not receive results of yourinvestigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-09
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed ASAP.
Consumer complaint received 2022-11-15
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. (PA)

I am a victim of identity theft. There are fraudulent items on my credit report that need to be deleted. I did not make these changes. These fraudulent items need to be deleted off my credit report. This is hindering me from advancing in life.
Consumer complaint received 2023-08-11
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. (FL)

i tried contacting the company EQUIFAX regarding the information being reported wrong in my credit report. 

I contacted them on XX/XX/2023 at XXXX XXXX XXXX XXXX and the reference number for the call is XXXX i spoke to the supervisor XXXX and he said they have no power to remove the accounts due to wrong information even thought the FCRA says i have the right to information being reported right. 

i have sent already XXXX letters of dispute and nothing has been done. i would like the accounts in the dispute letters to be removed, the inquiries being dispute removed as well.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Since XX/XX/XXXX, I have contacted XXXX XXXX, demanding that they report my account ( XXXX ) correctly with Experian, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; XXXX is not reporting my monthly on-time payments correctly each month.
Consumer complaint received 2023-06-08
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: WELLS FARGO & COMPANY (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO/DILLARD used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO/DILLARD reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, chase told me that their were unable to help me with this and I have to reach out to XXXX, XXXX said I should fill out this ftc report for the dispute to continue.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

Around XXXX XXXX 2017, i was in the process of moving out of an rented property from XXXX XXXX in XXXX XXXX GA, and shortly after they refused to give us back the security deposit. I began receiving calls and mail learning about a {$1900.00} debt for renovations done to the house ( Mind you we agreed to move in early before they had time to fix up the place ) so that includes the walls that were in need a fresh coat of paint, old and un-maintained hardwood floors, broken dishwasher & oven among other things that were presently wrong with the property at time of lease signing. After some time i informed them i would not pay for their expenses, which i believe is more than crooked for someone who was freshly XXXX at the time to be taking advantage of in such a manner. Furthermore this has caused me to enter early adulthood with a terrible credit score, simply because i refuse to pay for that which i am not responsible for. In retrospect i suggest anyone who is young and naive renting a property, to make sure you get timestamped photos of the property on day one.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XXXX I was contacted by EXPERIAN via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called Experian Fraud Dept at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against Experian for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that Experian is acting unlawful. 

This filing is also being sent to XXXX AND XXXX as the updated FTC Report. 

Furthermore, XXXX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!