davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-17
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. (OK)

I sent a certified letter to experian disputing errors on my report. They refused to investigate stating it wasn't me even though it was me disputing. This is the 2nd time this has happened. This was just disputing collections and inaccurate addresses
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (AZ)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-04-17
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. (CT)

I received an alert from Experian that a hard inquiry was done by XXXX XXXXXXXX XXXX on Monday XX/XX/2024. I did not do this. I also received a XXXX XXXX credit card from them in the mail on Tuesday XX/XX/2024. I called them and reported to them my concern of fraud. I told them to shut down this card and I would be contacting Experian to also start a fraud claim on my credit report. I called Experian right after. XXXX said that they are unable to tell me where/how who opened the credit card ; the only information they could tell me was that it was opened on XXXX. They said they are sending me an ID theft kit and to follow the instructions. I called Experian and reported this. Experian told me to got to ftc.gov or file a police report and report the fraud/identity theft. Once done to send it to Experian. I am very concerned because someone is pretending to be me and it affects my credit and sanity. Please help me. My cell phone is XXXX. They both said the card was closed. My credit score dropped significantly. I am upset about that.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-08-29
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. (NJ)

Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MA)

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report 2 weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( ED finances they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted Ed finances twice and was told they did not report this information to XXXX. spoke with XXXX who said they will not remove them unless ED told them. I have been playing like a yo-yo.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in the process of buying a house I notice that on my trans union accounts from XXXX XXXX XXXX opened XX/XX/2023 in the amount {$3700.00} this account is not mine. I ask this company to verify this debt providing me with a contract I have with them as they can not as I have no account with them. They are violating my right to privacy and flea laws for maintains accurate in formation. Please help me in this matter.
Consumer complaint received 2024-04-17
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-17
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. (PA)

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 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I tried to use my Chase Ultimate Rewards points to purchase a dinner reservation at Sons & Daughters in XXXX XXXX. The transaction would have cost XXXX points. The transaction failed and never went through, I never received a reservation confirmation from Chase or the restaurant. Despite the fact that the transaction failed and no reservation was made, I was charged XXXX times for the XXXX point transaction, for a total of XXXX points. I first called Chase a few days later, and spoke to a customer service representative who advised that I call " XXXX XXXX XXXX '' at XXXX to resolve the issue. I did so, but the representative at that number informed me that they no longer help with restaurant reservations and only help with concerts and other experiences. He advised that I call Chase again to explain. I did so, and my concerns were escalated. I was told that I should expect a follow-up or resolution within 5-7 business days. As of XX/XX/XXXX, I had received no update. So, on XX/XX/XXXX, I called back Chase customer service back. The first person I spoke with advised me again to call XXXX ( the number from above that didn't provide a solution ). When I explained that they would not be able to help, the customer service agent transferred me to a supervisor. The supervisor told me that Chase had sent me a letter dated XX/XX/XXXX, which letter again advised that I call XXXX. When I explained that that number could not help, she put me on hold and called herself, and confirmed that they provided the same response to her ( they could not help except for concerts or other experiences ). She escalated the issue again, and told me that I could expect a response by the following week. 

I called again today, XX/XX/XXXX, to check for an update. I was told that Chase sent me yet another letter ( dated XX/XX/XXXX, it has yet to arrive at my house ) telling me yet again to call XXXX, which clearly will not work to resolve my issue. The first customer service supervisor I spoke with today told me that there was nothing I could do other than send a complaint to Chase 's executive offices. A second supervisor claims that she submitted a complaint on my behalf, but noted there was nothing else she could do to assist. 

I'm hopeful that the CFPB can assist in getting Chase to correct its error here.
Consumer complaint received 2024-04-17
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. (TX)

I am a victim of XXXX XXXX Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (AZ)

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX  XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2024-06-18
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-04-17
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. (OH)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-17
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. (FL)

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section XXXX ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a XXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-12-08
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: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (NY)

Unauthorized inquiries XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  SER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Transunion with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Transunion.