davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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 BANKRUPTCY 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 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-23
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. (AL)

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 Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX 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 2024-04-23
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 express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the company associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-03
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. (SC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

15 U.S. code & 1681c-2 a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt ; by such agency of EXPERIAN. It has been 30 days and they are in violation of this law because I am a victim of identity theft. Please see that these items are DELETED immediately .These accounts should not be furnished on my consumer report as they are in violation under 15 u. .s. code1681b permissible purposes of consumer reports [ a ] IN GENERAL to subsection [ c ] any consumer reporting agency may furnish a consumer report under following circumstances and NO other ; [ XXXX ] in accordance with the WRITTEN INSTRUCTIONS the consumer to whom relates. I never gave ANY consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am DEMANDING the deletion of the accounts listed. 
All XXXX XXXX accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX IN collections its XXXX items XXXX XXXX XXXX, XXXX, and XXXX. Thank You In Advance.
Consumer complaint received 2024-04-23
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. (NY)

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.

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 2024-08-18
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-23
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. (NJ)

I'm a XXXX XXXX XXXX  customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX current XXXX XXXX XXXX account holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with XXXX and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed asap. XXXX XXXX XXXX ( fraudulent collection that needs to be removed ) XXXX ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX  ( account that I have knowledge of but late payments need to be removed because of the data breach XXXX XXXX XXXX ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX  ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX ( fraudulent collection that needs to be removed ) XXXX  Inquiry date XXXX XXXX, XXXX ( Fraudulent inquiry that need to be removed ) Address that need to removed from credit reports ( XXXX XXXX XXXX XXXX NY )
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

I recently received a debt collection notice from your office. I requested in writing that you provide documentation confirming this. 
I am writing to you regarding a collection attempt on an alleged debt referenced by account number XXXX in the amount of {$740.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. 
On XX/XX/year>, I sent you a formal request for debt validation via certified mail. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. My full, complete and correct social security num
ber that may help to identify me as the correct person you are attempting to collect from
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Me ( XXXX XXXX ) and my wife ( XXXX   XXXX ) are joint holders of a personal checking account at BoA ( XXXX ) and also a business checking account in XXXX XXXX and XXXX. 

Here is the chronology of events - Date XX/XX/XXXX - Check No.  XXXX for the amt of {$3000.00} made out to 'XXXX XXXX ' who is the joint owner of the account XXXX, a BOA personal checking account, was deposited into our XXXX business account using chase mobile app. 

The txn got processed without any issues and XXXX credited out account for {$3000.00}. The physical check was safely put in the safe box. 

Date ( s ) XX/XX/XXXX - XX/XX/XXXX - We closed on a new house and moved to the new house. Engaged several vendors including Movers, Cleaners, Plumbers etc to fix both the new and old houses. 

Date XX/XX/XXXX - The physical check XXXX was stolen and got fraudulently cashed out by some one by depositing it at XXXX XXXX. 

Date XX/XX/XXXX - I made a compliant to BoA. We saw the amt credited back on XX/XX/XXXX Date XX/XX/XXXX - XXXX debited our account for {$3000.00} saying it was recovered by BoA Date ( s ) XX/XX/XXXX - XX/XX/XXXX - Reported the same to BoA and called both BoA and XXXX to resolve the issue. Made multiple calls, filed and affidavit with BoA and explained the circumstances. BoA closed the case saying we didn't safeguard the physical check and we are liable for the loss. We do not agree with BoAs reasoning for closing our claim as we did took adequate precautions in safeguarding the check and it was beyond our control. 

We further feel that - BoA didn't put in place adequate safe guards in protecting our personal checking account and they let the same check to be cashed out by some one fraudulently in spite of the check having payee as my wife 'XXXX   XXXX ' with invalid endorsement. 
- They didnt do adequate job of investigating the claim in determining failure in their systems in catching double presentment/fraudulent activity. 
- Instead of reversing the fraudulent transaction from XX/XX/XXXX, they did a reversal of the genuine transaction from XX/XX/XXXX. In spite of repeated followups, BoA didnt act to track and trace the fraudulent activity from XX/XX/XXXX nor initiate recovery of funds from XXXX. 

This has caused irreparable harm and not just a individual financial loss of {$3000.00}. We have a had some of the checks got bounced in XXXX as they suddenly pulled out the money resulting in loss of trust in our business by vendors. Also, BoA put us under extreme stress by not responding/answering the questions regarding the law ( Check Act 21 ) or their terms and agreements protecting the consumers and instead they arbitrarily closed case without proper investigation and resolution.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PR)

Somebody use my personal information for request a loan and a credit card in XXXX XXXX XXXX XXXX XXXX. the loan did't was proceed but the credit card he took {$4000.00} in the bank. I saw this information because credit karma and the three credit agency ( XXXX, experian, XXXX ) notify me in a email of the situation. I make a dispute with all agency of credit and all bank with this problem in XXXX that problem start in XX/XX/2024 in the state of florida and i live in XXXX XXXX all my life never in XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

On Friday evening, XX/XX/24, I discovered that I was impacted by a recent data breach in the United States. I immediately started the process of freezing my credit with all three credit agencies. 

I tried to set up a free account online with Experian, but I got an error message that they were unable to verify my identity. There were different customer service numbers provided and most of them were only available Monday-Friday. On Monday, XX/XX/24, I called the numbers that they provided and was unable to get through to a representative to help me. They have an automated system that will not transfer customers to a live representative for assistance. I tried calling about five different customer service numbers, but I was unable to get through to a customer service agent to help me. 

I messaged Experian on XXXX on Monday ( XX/XX/24 ) afternoon around XXXX, and they responded to my message at about XXXX XXXX  on Tuesday ( XX/XX/24 ). The person on XXXX was unable to verify my account and referred me to their website. I reminded them that the reason I was contacting them was that I already tried to set up an account on the website and was getting an error message. They then gave me a different customer service number and assured me that I would be able to get assistance from a customer service representative. So far, I have not had any luck getting through, but I am trying. 

I also emailed them at XXXX on Monday XX/XX/24 at about XXXX regarding this issue. My case number is XXXX They have not responded yet ( of course ). 

Why is it so hard to contact Experian in cases where there could be fraud? The other two agencies were much easier to contact and set up my accounts. Experian provides customer service numbers where you can not get through to an agent, a XXXX message option where they get back to you within 24 hours, and a po box you can MAIL inquires to. Where is the sense of urgency? There is none with Experian.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-09-01
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. (IN)

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. XXXX Account # XX/XX/2024 XXXX, XX/XX/2024 {$640.00}, XX/XX/2024 XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding unresolved disputes with Experian concerning inaccuracies on my credit report, specifically related to XXXX XXXX Account Number : XXXX. Despite filing a dispute with Experian over 30 days ago, I have not received any response or resolution regarding this matter. 

I demand immediate escalation of this investigation to ensure a prompt and satisfactory resolution. It is deeply concerning that Experian has failed to adhere to the mandated timeframe for resolving disputes, as outlined in the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I am troubled by the inconsistencies in reporting by CITICARDS across different credit bureaus. While XXXX reflects no late payments, XXXX and Experian both indicate one 30-day late payment. I insist on receiving documented proof of any late payments before they are verified as such, in accordance with the FCRA. 

This is not the first time I have disputed this matter. Despite multiple attempts to rectify these inaccuracies, they persist. Additionally, CITICARDS has provided three different last activity dates across the credit bureaus, further undermining the reliability of their reporting. 

I demand documented proof of the late payment reported for XX/XX/2022, and the immediate removal of this erroneous account from my credit report. These discrepancies not only violate the FCRA but also have significant implications for my creditworthiness and financial standing. 

I urge the Consumer Financial Protection Bureau to intervene and facilitate the resolution of this matter urgently. Your intervention is crucial in ensuring that Experian and XXXX comply with their obligations under the FCRA and that my rights as a consumer are upheld. 

Attached is proof my identity, proof of the inaccuracies that have been reported to my account and proof of one of the original disputes I filed over 30 days ago. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this inaccurate information from my credit report. Sincerely,