davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2023-07-07
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.
Consumer complaint received 2023-07-07
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. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2024-08-21
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)

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX Account Number : XXXX 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-21
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. (CO)

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 has violated my rights. 
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 2023-07-07
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. (LA)

I had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.
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. (CA)

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I have a JCPenny card. There is an XXXX XXXX XXXX policy attached to the card for XXXX a month. This payment was on a monthly schedule to pay the amount and the amount was paid. Without notice, the card was transferred to synchrony bank. Synchrony bank then applied a paper statement fee without notice. At the next automatic payment the XXXX fee left a balance causing an account incur additional fees ( XXXX XXXX XXXX of. $ XXXX {$100.00} ( XXXX ), another XXXX paper statement fee, late fee of XXXX and minimum interest charge of {$2.00} ). After electronically chatting with an online represent, they said that they would reverse all of the charges but they didn't. I moved the payment for the XXXX XXXX XXXX to another credit card as I suspect the company utilizes draconian business practices to make money and attempted to use the synchrony bank online portal to further manage the account but am now unable to do so as the website only allows me to make a payment.
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. (AR)

Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report.

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines.

I request that you provide confirmation of the removal of these fraudulent accounts once th
e necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (IL)

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 2024-05-09
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. (FL)

I was made aware of a fraudulent account on my credit report when trying to apply for a loan this is been over a year ago I notified the creditor was told they couldnt do anything about it it was bad not fraud I have disputed it numerous times I have included a FTC report a police report and verification that I did not live at the address to which this credit card we sent XXXX XXXX has refused to take it off my report the amount is {$310.00} that is the past due amount they have closed the account XXXX times every time it shows up on my credit report as a new closed account they have on numerous credit checks which also shows up as a hard check affects my credit theyve Not being cooperative at all not helpful at all
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. (TX)

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. The Protecting Veterans Credit Act of 2017, which was passed by Congress in 2018, requires credit reporting agencies to remove information about veterans ' credit reports that relates to debts or collections I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
The FCRA
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$11.00} XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$240.00}
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
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. (CA)

I trust this message finds you in good health. I am writing to express my ongoing disappointment and concern regarding the unresolved dispute I lodged concerning the unauthorized accounts stemming from identity theft on my credit report. Despite my prior communications and the supporting documentation I provided, I regret to note that the disputed accounts have yet to be removed from my credit report. Since my initial dispute, I have taken further steps to verify my identity and provide you with the necessary documentation to support my claim. As stated in my previous letter, I included a copy of my government-issued ID, proof of address. I kindly request an update on the status of your investigation and clarification on the reasons for the delay in removing these unauthorized accounts from my credit report. The prolonged presence of these fraudulent entries is causing me considerable distress and impeding my ability to access fair and accurate financial opportunities. Please delete the accounts below : XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (TX)

I received a letter from XXXX XXXX XXXX, dated XX/XX/year> to respond by XX/XX/year> regarding an alleged debt in the amount of XXXX. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. 
I demand that you cease all communication with me regarding this matter, as required by law. 
Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. 
Please provide the following information to validate the debt : XXXX. The original creditor 's name and contact information. XXXX. A copy of the original signed contract or agreement related to the debt. XXXX. XXXX of the amount of the debt and how it was calculated. XXXX. Proof that you are licensed to collect debts in my state.
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. (FL)

In accordance with the fair credit reporting act, The company FAIR COLLECTIONS & OUT account XXXX, has violated my right 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
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me None of these employers belong to me XXXX XXXX does not belong to me XXXX XXXX does not belong to me XXXX does not belong to me
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX  XXXX {$500.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.